To obtain group health insurance without evidence of insurability, an eligible individual must?

To obtain group health insurance without providing evidence of insurability, an eligible individual must enroll within a specified eligibility period. This period is typically outlined in the group health plan's guidelines and allows individuals to sign up for coverage without needing to demonstrate their current health status or provide medical information.

The intention behind this provision is to facilitate access to health insurance for employees, ensuring that they are not denied coverage based on pre-existing conditions or other health issues during the enrollment window. If individuals miss this specified eligibility period, they may have to provide evidence of insurability, which can involve health assessments or disclosures that could jeopardize their ability to obtain coverage.

Other options do not accurately reflect the requirements for obtaining group health insurance without evidence of insurability. For instance, paying a higher premium does not waive the need for evidence of insurability—rather, premiums are often determined by the group's overall risk and cost factors. Employment duration is also not typically a prerequisite for enrolling without evidence of insurability; eligibility is generally defined by active participation in the group plan. Agreeing to a medical examination contradicts the essence of bypassing evidence of insurability, as this requirement explicitly asks for pre-enrollment health assessments which are unnecessary during the specified eligibility