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Health insurance without a physical exam

There are three different types of health insurance available to individuals that do not require a physical exam.

by Tony Novak, CPA, MBA, MT, NAHU certified consumer driven health care consultant 10/5/2011

Today's online insurance health insurance exchanges are designed to select and issue insurance quickly and that means no physical exam is required for any of the insurance options listed here at Freedom Benefits. There are three different types of health insurance plans available without an exam so this article briefly describes each type.

The first type is guaranteed issue coverage. This includes both commercial and governmental plans. The common trait is that these policies do not ask any medical questions and coverage is issued without regard to medical history. The most popular commercial type is Core Health Insurance. Supplemental insurance also falls into this category. Under the health reform law of 2010 each state is required to sponsor one guaranteed issue insurance plan called the "pre-existing condition insurance plan" (PCIP) for those who do not qualify for other major medical insurance. 

The second type is short term major medical insurance. This is full major medical insurance but with an expiration date ranging from one month to 12 months. No physical exam is required but the application includes several medical history questions that are simply answered "yes" or "no". If the applicant answers "no" to all questions the insurance is issued immediately. Policies and ID cards can even be downloaded and printed immediately.

The final type is regular major medical insurance. While no physical exam is required, eligibility is based on your responses to a series of detailed medical questions. Individual major medical insurance is designed for applicants who have better than average medical history. Those who do not meet underwriting criteria are usually referred back to the first category above.

To see which options are available in your state, go to the Freedom Benefits home page and choose your state of residence from the map. The available health plans are listed by category with a section for major medical and short term major medical insurance. The guaranteed issue health plans are listed in several sections including supplemental insurance, most liberal and the PCIP plans.


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This web site is independently owned and managed by Tony Novak operating under the trademarks "Freedom Benefits", "OnlineAdviser" and "OnlineNavigator". Opinions expressed are the sole responsibility of the author and do not represent the opinion of any other person, company or entity mentioned. Tony Novak is not an agent, broker, producer or navigator for any federal or state health insurance exchange but may provide uncompensated advice, reviews and referrals to these official resources. Novak is compensated as an accountant, adviser, affiliate consultant, marketer, reviewer, endorser, producer, lead generator or referrer to some of the other commercial companies listed on this site. Information is from sources believed to be reliable but cannot be guaranteed.