Health underwriting is evolving beyond static risk questionnaires toward continuous data enrichment and predictive risk modeling. This session explores how insurers are incorporating claims history analytics, demographic modeling, behavioral insights, and population risk stratification into underwriting workflows. What changes when risk signals update dynamically? How does technology improve pricing confidence in employer-sponsored benefits? And how can underwriting teams balance personalization with compliance requirements? The focus is practical: embedding advanced analytics into health risk selection and pricing processes.