Which of the following underwriting criteria does not apply when switching from another Medicare supplement plan?

When switching from one Medicare supplement plan to another, it is vital to understand the concept of guaranteed issue rights. The correct answer highlights the fact that most consumers under 65 can switch without undergoing additional underwriting due to the protections provided under Medicare laws.

Specifically, individuals under 65 may find it easier to change their plans because they are often granted certain protections, which include the ability to switch without the burden of underwriting. This means that they cannot be denied coverage or charged higher premiums based on their health conditions during this switch.

The other options involve broader aspects of switching Medicare supplement plans, which typically apply to a wider range of consumers, particularly those over 65. Consumers switching to a new Medicare supplement plan are usually entitled to guaranteed issue—which ensures that they will be accepted for coverage without answering health questions—unless they are leaving a plan that has been in effect for less than six months or they have other exceptional circumstances.

Thus, the correct choice emphasizes the specific circumstance of under-65 consumers' ability to switch plans without underwriting, underscoring their unique access to coverage options that are not as readily available to older consumers or those who are switching without guaranteed issue rights.