An incomplete health insurance application submitted to an insurer will result in which of these actions?

When a health insurance application is submitted incomplete, it is common practice for insurers to return the application to the writing producer. This action ensures that the producer has the opportunity to rectify any missing information or correct errors before the application can proceed through the underwriting process.

Returning the application to the producer is a crucial step because it maintains the integrity of the application process and allows for the collection of all necessary details to make an informed decision about the insurance coverage. Insurers require complete information to assess risks accurately and determine eligibility, coverage options, and premium calculations.

In contrast, other potential actions like approving the application with conditions, considering it inactive, or processing it regardless would not be in line with standard practices. Approving an incomplete application or processing it without all necessary information could lead to significant issues later, such as disputes over coverage or claims, which is why returning it to the producer is the most appropriate and effective response.