Health Plan Underwriting Manager

ZipRecruiter; Buffalo (NY); Remote; USD 100,000 - 130,000; Full time

Job summary

A leading healthcare company is seeking a Health Plan Underwriting Manager to support their sales team with financial analyses. The role involves developing pricing models and collaborating cross-functionally to enhance healthcare delivery. Candidates should have extensive experience in healthcare underwriting and strong analytical skills.

Qualifications

• 6+ years of experience in healthcare or health insurance.
• 4+ years of experience underwriting fully insured and self-insured cases.

Responsibilities

• Design, develop, and implement pricing models for risk sharing.
• Collaborate to improve stop loss processes and support negotiations.

Skills

Analytical Skills

Communication

Interpersonal Skills

Education

Bachelor’s degree in a quantitative discipline

Tools

Excel

Tableau

SQL

Job description

Job Description

We exist for workers and their employers — who are the backbone of our economy. That is where Centivo comes in — our mission is to bring affordable, high-quality healthcare to the millions who struggle to pay their healthcare bills.

The Health Plan Underwriting Manager will sit within the Healthcare Finance & Analytics Team and will support the broader sales team by developing and delivering financial analyses (including underwriting, actuarial, and stop loss performance) to support the business.

This role will work cross-functionally across Growth, Client Success, and Network functions to clean, analyze, and synthesize data to share with both technical and non-technical audiences.

The role requires a deep understanding of healthcare delivery and health benefit plans, as well as advanced data analysis skills and expertise in analytics software. The Underwriter should be able to independently assess risk, structure underwriting strategies, and articulate business implications to internal stakeholders and external partners.

Responsibilities Include:

1. Design, develop, and implement pricing models, including risk sharing methodologies that align with company financials, business results, and support sales processes.
2. Design, develop, and maintain financial/underwriting models to support sales, RFP responses, renewals, and provider/network contracting processes.
3. Collaborate with other teams to improve stop loss processes, including technical analysis on quotes and renewals; support or lead negotiations of stop loss proposals.
4. Assist the Growth team, benefit advisors, and employers with plan design, contribution modeling, premium development, and benefit plan accrual rates.
5. Provide technical analysis on stop loss quotes and renewals.
6. Work with Client Success and Healthcare Analytics teams to develop year-end client reviews and renewals.

Qualifications:

Required Skills and Abilities:

• Bachelor’s degree in a quantitative discipline (e.g., math, actuary, statistics, risk/insurance, economics, econometrics, financial analysis).
• 6+ years of experience in healthcare or health insurance.
• 4+ years of experience underwriting fully insured and self-insured cases.
• 4+ years of experience with stop loss placement, negotiation, pricing, or underwriting.
• Sophisticated skills with analytical, spreadsheet, and database tools (Excel, Tableau; SQL is a plus).
• Knowledge of healthcare, preferably in claims, reimbursement, and risks.
• Ability to prioritize and organize work to meet deadlines.
• Excellent verbal and written communication skills, capable of conveying complex or technical information clearly.
• Mastery of Microsoft Office tools (PowerPoint, Word, etc.).

Skills, Interpersonal, and Leadership Qualities:

• Strong interpersonal skills, establishing rapport and working well with others.
• Experience in leadership or mentoring within underwriting or healthcare finance teams.

Additional Qualifications:

• Advanced education such as a Master’s in Public Health or health underwriting certification.

Work Location:

• This position is remote.

Who we are:

Centivo is an innovative health plan for self-funded employers on a mission to make healthcare affordable and high-quality. Our primary care-based ACO model saves employers 15-30% compared to traditional insurance carriers. Employees benefit from free primary care, predictable copays, and no-deductible plans. We serve employers from 51 employees to Fortune 500 companies. For more information, visit centivo.com.

Headquartered in Buffalo, NY, with offices in New York City and Buffalo, Centivo is backed by leading healthcare and technology investors, including Morgan Health, a JPMorgan Chase & Co. business unit.

Compensation Range: $100K - $130K