Glossary · Marketplace
What is medical underwriting?
Medical underwriting is the process insurers use to judge your health status when you apply, to decide whether to offer coverage, at what price, and with what exclusions.
Definition and figures from HealthCare.gov glossary, checked October 23, 2026. This page explains the term; it does not recommend a plan.
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Medical underwriting: the facts
| Item | Fact | Source |
|---|---|---|
| Decides | Whether to offer coverage, the price, and any exclusions or limits | HealthCare.gov glossary: Medical underwriting |
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What does medical underwriting mean in health insurance?
Medical underwriting is the process insurers use to judge your health status when you apply, to decide whether to offer coverage, at what price, and with what exclusions.