When a health insurer investigates a consumer’s health history after selling that consumer a health plan and usually after a claim has been filed, the insurer may do underwriting, meaning the insurer will investigate the consumer’s health history, which can lead the insurer to cancel the policy. The term for such a cancellation is rescission, which is illegal under the Affordable Care Act except in the case of fraud or intentional misrepresentation. Also see Recission.
