What Do Health Insurance Underwriters Do? 
While other answers on the page are exactly correct , at this point , health insurance underwriters do n't do much , since there is no longer health insurance underwriting -LRB- if you 're purchasing a plan that is compliant with the Affordable Care Act -RRB- . Remember , you can now get health insurance regardless of pre-existing conditions . Hence , no underwriting . In my humble opinion , all of the underwriters should have been moved to customer service so you do n't have to wait on hold for so long :--RRB- 