Commercial Health Underwriter - Remote

Evry Healthcare Inc.; Northern (KY); Hybrid; USD 75,000 - 100,000; Full time

Benefits offered by this job

Competitive salary

Comprehensive health, dental, and view

Retirement plan with company match

Professional development opportunities

Flexible work environment

Job summary

Evry Health is seeking a Commercial Health Underwriter to join our Underwriting team. The role focuses on evaluating and underwriting new business and renewal opportunities for large group fully insured employer-sponsored health plans while partnering closely with Sales to develop competitive underwriting solutions.

Our team emphasizes collaboration with sales, regulatory awareness, and rigorous analysis of claims experience to guide policy design and risk decisions, with a remote-friendly setup

Qualifications

• Bachelor's degree in finance, business, economics, mathematics, or statistics.
• Minimum 5 years of experience in commercial health insurance underwriting.
• Experience underwriting large group fully insured health plans.
• Strong analytical skills for risk assessment.
• Knowledge of current healthcare regulations and market trends.

Responsibilities

• Underwrite new business and renewal opportunities for large group fully insured health plans.
• Analyze claims experience to inform underwriting decisions.
• Collaborate with sales to design competitive insurance products and strategies.
• Suggest policy changes balancing market needs with risk.
• Stay updated on legislation affecting product design and underwriting considerations.
• Maintain detailed records of underwriting decisions and concessions.
• Coordinate with brokers and agents to gather information.

Skills

Strong analytical skills

Excellent communication

Interpersonal skills

Regulatory knowledge

Education

Bachelor's degree in Finance/Business/Economics/Math/Statistics

Tools

Underwriting software

Job description

Evry Health is seeking a Commercial Health Underwriter to join our Underwriting team. The role focuses on evaluating and underwriting new business and renewal opportunities for large group fully insured employer-sponsored health plans while partnering closely with Sales to develop competitive underwriting solutions.

About Evry Health and Globe Life

We are on a mission to bring humanity to health insurance. Our high-technology health plans expand benefits, increase access and transparency, and feature a personalized, human approach. We strive to ensure members live happier, healthier lives.

Evry Health is the major medical division of Globe Life (NYSE:GL). Globe Life has 16.8 million policies in force, and more than 3,000 corporate employees and 15,000 agents. For more than 45 consecutive years, Globe Life has earned an A (Excellent) rating or higher from A.M. Best Company.

Key Responsibilities

• Evaluate and underwrite new business and renewal opportunities for large group fully insured commercial health plans.
• Interpret and analyze underlying claims experience to inform underwriting decisions and policy adjustments.
• Work closely with sales teams to develop competitive insurance products and strategies, ensuring alignment with company goals and client needs.
• Assist in the development of insurance policies or suggest changes to existing policies that balance the needs of market with the risk to the insurance company.
• Stay updated with changes in legislation and regulations that may affect the product design and underwriting considerations.
• Maintain accurate and detailed records of policies underwritten and decisions made, tracking concessions and experience.
• Coordinate with brokers and agents to gather additional information or to explain underwriting decisions.

Qualifications

• Education: Bachelor's degree in Finance, Business, Economics, Mathematics, Statistics, or a related field.
• Experience: Minimum of 5 years of experience in commercial health insurance underwriting (not Medicare, Medicaid, or individual market/ACA plans).
• Experience with large group health insurance underwriting for fully insured business
• Experience working with sales teams in competitive situations is highly desirable.
• Strong analytical skills with the ability to evaluate risk and make sound underwriting decisions
• Excellent communication and interpersonal skills
• Familiarity with underwriting software and tools
• Knowledge of current healthcare regulations and market trends

Benefits

• Competitive salary
• Comprehensive health, dental, and vision insurance
• Retirement savings plan with company match
• Professional development opportunities
• Flexible work environment

Location and Telecommuting Requirements

• Required to have a dedicated work area established that is separate from other living areas and provides information privacy.
• Ability to keep all company sensitive documents secure.
• Must live in the United States.
• Must live in a location that receives an existing high-speed internet connection/service.
• Our whole company works remotely. While this is a remote position, candidates must be in EST or CST time zones to be considered. Company headquarters are in Dallas, Texas. Company business hours are weekdays 9-5 CST.

$75,000 - $100,000 a year