Key Takeaways
- Underwriting may affect whether you qualify and what you pay.
- Some enrollment windows waive underwriting.
- Answering health questions honestly is essential.
Underwriting is how an insurance company reviews your health history to decide whether to issue a policy and at what price. For Medigap, this can happen when you apply outside a guaranteed-issue window.
During certain protected periods, underwriting is waived — meaning you cannot be turned down or charged more because of your health.