Many states allow medical underwriting of applicants for individually purchased health insurance.

For this new policy, however, you need to go through medical underwriting again.

The use of medical underwriting may be restricted by law in certain insurance markets.

Thus, the future use of genetic information in medical underwriting is a significant potential issue only for the individual health insurance market.

One large industry survey found that 13% of applicants for individual health insurance who went through medical underwriting were denied coverage in 2004.

This means medical underwriting, or tests, are not needed.

Connecticut Blue Cross officials said the new law would actually force the association to start "medical underwriting" for the first time, to stay competitive.

In medical underwriting, higher premiums are charged to those who have had expensive health problems.

A process of medical underwriting is involved and the range of qualifying conditions has increased substantially in recent years.

In the low-option plan, medical underwriting is not a factor, although there is an 11-month waiting period.