I'm currently on COBRA, and have had a few doctor's visits.

When COBRA runs out, I plan get my COBRA converted to an individual policy.

When converting from COBRA -> individual, does one have to fill out a whole health questionnaire and medical history?

If not, should I purposely hold out on claiming my recent doctor's visits, since that would lower my premiums for the individual policy?

I don't want to do anything unethical or illegal. Thanks!