Health & Benefits Consultant

3416US00 Howden US Services LLC; Miami (FL); Hybrid; USD 110,000 - 160,000; Full time

Benefits offered by this job

Medical, dental, and vision insurance

401(k) retirement plan

Flexible Paid Time Off

Parental leave

Life and Disability insurance

Job summary

Howden is seeking a Health & Benefits Consultant to advise clients on employee benefits strategy, plan design, cost management, and compliance. This hybrid role supports clients across the US, with preferred locations including Miami.

You will partner with carriers and internal teams, lead renewal processes, analyze claims and funding arrangements, and help organizations attract, retain, and support their workforce. A Bachelor's degree and 5+ years of experience are required.

Qualifications

• Bachelor's degree or equivalent experience.
• 5+ years of employee benefits consulting experience.
• Experience advising employer groups on health and welfare programs.
• Strong communication with senior stakeholders.
• Licensing/designations preferred (Life & Health; CEBS, SHRM, SPHR).

Responsibilities

• Serve as primary consultant for health and welfare programs for clients.
• Advise on healthcare cost management, plan design changes, funding arrangements, wellness initiatives, and engagement programs.
• Lead renewal processes including marketing, carrier negotiations, and financial analyses.
• Develop financial models and projections to support client decisions and optimize program performance.
• Ensure compliance with ERISA, ACA, COBRA, HIPAA and related regulations.
• Support business development and client retention through cross-functional collaboration.

Skills

Benefits consulting

Client management

Presentation skills

Excel

PowerPoint

Education

Bachelor's degree

Tools

Microsoft Excel

PowerPoint

Job description

Who are we?

Howden is a global insurance group with employee ownership at its heart. Together, we have pushed the boundaries of insurance. We are united by a shared passion and no-limits mindset, and our strength lies in our ability to collaborate as a powerful international team comprised of 24,000 employees spanning over 56 countries. People join Howden for many different reasons, but they stay for the same one: our culture. It’s what sets us apart, and the reason our employees have been turning down headhunters for years. Whatever your priorities – work / life balance, career progression, sustainability, volunteering – you’ll find like-minded people driving change at Howden.

Role: Health & Benefits Consultant Location Type: Hybrid position. Preferred locations include Miami, New York, Tampa, Charlotte, Houston, Dallas, Austin, Boston, Nashville, Washington D.C., San Francisco, Costa Mesa, Los Angeles, and Chicago

About the Role Howden is seeking a Health & Benefits Consultant to serve as a trusted advisor to clients on employee benefits strategy, plan design, cost management, compliance, and employee wellbeing initiatives. This individual will partner closely with clients, carriers, producers, and internal service teams to deliver strategic guidance and innovative solutions that help organizations attract, retain, and support their workforce. The ideal candidate combines deep employee benefits expertise with strong consultative skills and the ability to build lasting client relationships. This role provides an opportunity to work with organizations across a variety of industries while helping clients navigate an increasingly complex healthcare and benefits landscape.

Key Responsibilities

Client Consulting & Strategic Advisory

• Serve as a primary consultant for clients regarding health and welfare benefit programs.
• Advise clients on healthcare cost management strategies, plan design changes, funding arrangements, wellness initiatives, and employee engagement programs.
• Conduct benefits strategy discussions and annual planning meetings with client leadership teams.
• Provide market intelligence and benchmarking on benefit trends, emerging solutions, and carrier developments.
• Develop and deliver client presentations related to renewals, plan recommendations, and strategic initiatives.

Benefits Program Management

• Lead annual renewal processes including marketing, carrier negotiations, financial analysis, and recommendation development.
• Evaluate carrier proposals and prepare detailed analyses comparing costs, plan provisions, and service offerings.
• Support implementation of new benefit programs and vendor solutions.
• Coordinate with account management and service teams to ensure seamless delivery and client support.

Financial Analysis & Reporting

• Analyze healthcare utilization, claims experience, contribution strategies, and funding arrangements.
• Develop financial models and projections to support client decision-making.
• Review carrier renewals and identify opportunities to optimize program performance and control costs.
• Prepare reports, executive summaries, and presentations for client stakeholders.

Compliance & Risk Management

• Maintain knowledge of employee benefits regulations and industry developments.
• Assist clients with compliance-related matters involving ERISA, ACA, COBRA, HIPAA, and other applicable regulations.
• Partner with internal subject matter experts and external resources to address complex compliance questions.

Business Development & Relationship Management

• Support producers and business development teams in client retention and growth efforts.
• Participate in prospective client meetings and presentations.
• Identify opportunities for additional consulting services and cross-functional solutions.
• Develop strong relationships with carrier partners and industry contacts.

What Are We Looking For?

• Experience Bachelor's degree or equivalent combination of education and experience.
• 5+ years of employee benefits consulting, brokerage, carrier, or related healthcare advisory experience.
• Experience advising employer groups on health and welfare benefit programs.
• Proven ability to manage client relationships and communicate effectively with senior stakeholders.
• Skills Strong knowledge of group medical, dental, vision, life, disability, voluntary benefits, and wellbeing programs.
• Ability to analyze financial data, carrier proposals, and claims information.
• Excellent presentation, communication, and relationship-building skills.
• Strong project management and organizational abilities.
• Advanced proficiency in Microsoft Office applications, particularly Excel and PowerPoint.
• Collaborative mindset with a client-first approach.

Preferred Qualifications

• Active Life & Health License or ability to obtain.
• CEBS, GBA, SHRM, SPHR, or other relevant professional designation.
• Experience with self-funded and alternative funding arrangements.
• Experience working with mid-market and large employer clients.

Compensation and Benefits

The expected base salary range for this role is $110,000 - $160,000; actual base salary will be determined based on factors including candidate experience and work location.

This role is classified as exempt under the Fair Labor Standards Act (FLSA).

In addition to a competitive base salary, employees are eligible to receive a discretionary bonus. Howden also offers a variety of benefits and programs, subject to eligibility, including:

• Medical, dental, and vision insurance, including healthcare savings and reimbursement accounts
• 401(k) retirement plan
• Flexible Paid Time Off and paid parental leave
• Life and Disability insurance

What Do We Offer in Return?

A Career That You Define. Our business succeeds by allowing our people to make a mark in the areas they care about most, whether that's personal development, volunteering, or creating new insurance products that address society's greatest challenges. We support our people in every aspect of their lives, recognizing that fulfillment at home and work go hand in hand.

Our Sustainability Promise We're on a life-long journey to become an ever-more sustainable group. It's a commitment to taking care of our people and the world we live in, to doing good business, and to making a positive impact wherever we can.

What do we offer in return? A career that you define. At Howden, we value diversity – there is no one Howden type. Instead, we’re looking for individuals who share the same values as us: Our successes have all come from someone brave enough to try something new We support each other in the small everyday moments and the bigger challenges We are determined to make a positive difference at work and beyond.

Reasonable adjustments

We're committed to providing reasonable accommodations at Howden to ensure that our positions align well with your needs. Besides the usual adjustments such as software, IT, and office setups, we can also accommodate other changes such as flexible hours* or hybrid working*. *Not all positions can accommodate changes to working hours or locations. Reach out to your Recruitment Partner if you want to know more.

Permanent

Howden began in 1994, as just three people and a dog. Now there are 23,000 of us, and we're a leading global insurance group, managing $37bn of premiums for our clients. Our largest shareholder group is us – the people who work in the business – supported by three long-term, minority growth-equity partners who share our vision to build a business to last, one that will never be sold. The owner's mindset is something that's embedded in our culture; our people readily take ownership of their decisions, their actions, and their outputs. They’re invested in every sense. And we all know that by working together to drive the business forward, everyone will benefit from the extraordinary results we can achieve.