Which type of plan typically does NOT require medical underwriting for eligibility?

A group health plan typically does not require medical underwriting for eligibility because these plans are designed to provide coverage to a defined group of individuals, such as employees of a company. The premise behind group plans is that they spread risk across a large population, which allows for more inclusive eligibility criteria. Enrollment is often open to all members of the group, regardless of their health status or pre-existing conditions.

In contrast, individual health plans may require medical underwriting since they are underwritten on an individual basis, taking into account the applicant's health history to determine eligibility and premiums. Short-term health plans are also more restrictive, typically involving medical underwriting to gauge the risk of the individual seeking coverage. Medicare Advantage plans do not engage in medical underwriting in the traditional sense, as they are available to those who qualify for Medicare, but there are specific enrollment periods and conditions. Therefore, the group health plan stands out as the option that does not necessitate medical underwriting in order to provide access to coverage.