Which of the following methods is NOT commonly used in health insurance underwriting?

The method identified as administrative rating is not commonly used in health insurance underwriting because it does not adequately assess risk based on the health status or claims history of individuals or groups. Administrative rating generally refers to the administrative costs or processes associated with managing insurance policies rather than a specific underwriting technique that evaluates the potential health risk of insured individuals.

In health insurance underwriting, methods such as adjusted community rating, prospective experience rating, and community rating by class are utilized to determine premiums and ensure that they are reflective of the expected costs associated with providing coverage. Adjusted community rating involves modifications to pricing based on various demographic factors, while prospective experience rating uses an organization's historical claims data to set premiums based on anticipated future costs. Community rating by class allows for pricing based on certain classifications rather than individual health histories, offering a more standardized approach to premium assessments.

These methods focus on sound underwriting principles that consider the health risks and financial considerations involved, whereas administrative rating lacks the necessary evaluation of these factors and is more focused on operational aspects.