Remote Health Insurance Risk Analyst

Naukri Mitra; United States; Remote; USD 88,000 - 108,000; Full time

Benefits offered by this job

Health coverage

Dental coverage

Vision coverage

Annual bonus

Paid time off

Home office stipend

Mental health resources

Retirement plan

Job summary

Naukri Mitra seeks a Remote Health Insurance Risk Analyst to forecast risks, guide underwriting outcomes, and shape policy decisions from a remote setting. You will analyze claims data, build risk models, and influence premium structures with cross-functional collaboration.

Collaborate with actuaries, compliance, and finance to generate dashboards and strategic reports for leadership and regulators, ensuring adherence to ACA, HIPAA, and Medicare guidelines while driving stability and value.

Qualifications

• 5+ years in health insurance risk analysis, underwriting analytics, or actuarial modeling.
• Ability to interpret complex claims data and health trend patterns.
• Knowledge of ACA, HIPAA, and Medicare Advantage guidelines.
• Proficient with SQL-based data platforms and visualization tools.

Responsibilities

• Risk assessment and modeling: analyze data, develop forecasts, validate loss projections.
• Policy review: adjust underwriting policies based on risk insights and regulatory changes.
• Strategic reporting: create dashboards and reports for executives and regulators.
• Collaborative decision-making: work with actuaries, claims, and finance to guide risk decisions.

Skills

Risk analysis

Underwriting analytics

Actuarial modeling

Data interpretation

Education

Actuarial certification progress

Tools

SQL

Tableau

Power BI

Python

R

Snowflake

SAS

Jira

Asana

Job description

Remote Health Insurance Risk Analyst

Shape the Future of Health Coverage from Anywhere. Are you a detail-driven professional passionate about transforming health insurance through data analysis and risk strategy? Join a high-impact team where your expertise in health insurance analytics and risk mitigation will play a central role in safeguarding the future of coverage.

About the Role

As a Remote Health Insurance Risk Analyst, you will evaluate health-related data to forecast risks, assess underwriting outcomes, and guide key policy decisions. Your work will directly influence coverage models, loss ratios, and compliance processes, ensuring the organization maintains financial stability and member trust.

Key Responsibilities

Risk Assessment and Modeling

• Analyze claims data, actuarial models, and trend indicators to identify current and emerging risks.
• Develop risk forecasting models tailored to diverse member populations.
• Collaborate with actuaries to validate loss projections and inform premium structures.

Policy Review and Improvement

• Review underwriting policies and recommend adjustments based on risk insights.
• Monitor industry changes and apply regulatory updates to risk evaluation practices.
• Coordinate with compliance teams to align protocols with evolving standards.

Strategic Reporting and Analytics

• Prepare detailed risk reports for executive leadership and regulatory bodies.
• Deliver strategic insights via dashboards, presentations, and briefings.
• Provide consultative support during audits and reviews.

Collaborative Decision‑Making

• Partner with claims analysts, underwriters, and finance teams to guide balanced risk decisions.
• Facilitate interdepartmental meetings to share findings and align risk posture.
• Advise on risk mitigation strategies across product development, marketing, and service operations.

Work Environment

• Precision and accountability
• Knowledge-sharing and mentorship
• A proactive approach to continuous improvement
• Diversity of thought and equitable contribution

Tools and Technologies

• Tableau and Power BI for interactive data visualization
• Python or R for statistical modeling
• SQL and Snowflake for data querying and transformation
• SAS or similar platforms for claims data analysis
• Secure cloud platforms for remote collaboration and compliance
• Project management software like Jira or Asana to coordinate cross-functional deliverables with clarity and agility.

Required Qualifications

Core Experience

• 5+ years of experience in health insurance risk analysis, underwriting analytics, or actuarial modeling.
• Proficiency in interpreting complex claims datasets and health trend patterns.
• Solid understanding of regulatory environments, including ACA, HIPAA, and Medicare Advantage guidelines.

Technical Competence

• Strong command of data modeling tools and SQL-based platforms.
• Hands-on experience with visualization software and statistical computing.
• Ability to simplify technical results for non-technical stakeholders.

Professional Traits

• Analytical mindset with a passion for problem-solving.
• Strong communication and organizational skills.
• Adaptability to shifting priorities and emerging challenges.

Preferred Qualifications

• Actuarial certification or progress toward designation (e.g., ASA or FSA).
• Background in predictive modeling within a managed care or payer environment.
• Experience with machine learning approaches for health risk prediction.

Career Growth and Development

This role isn’t just about what you bring—it’s about where you can go. You’ll be encouraged to shape your professional development through: Ongoing training programs in advanced analytics and regulatory frameworks, Leadership pathways for roles in enterprise risk strategy or analytics management, Sponsored attendance at top industry conferences and workshops, Impact on the Organization.

Impact on the Organization

Your insights will directly shape strategic outcomes, from reducing cost volatility to improving patient engagement strategies. By identifying patterns that prevent fraud or unnecessary claims, you will help preserve resources that serve vulnerable populations. This is a rare opportunity to amplify your analytical strengths while building long-term stability in healthcare access.

Compensation and Benefits

The annual salary for this role is $98,000, reflecting the strategic importance and specialization required.

• Comprehensive health, dental, and vision coverage
• Annual performance-based bonuses
• Generous paid time off and wellness days
• Home office setup stipend
• Access to virtual mental health and well-being resources
• Retirement plan with employer contributions

Why Join Us?

If you want to drive real change in healthcare, this role will place you at the intersection of insight and impact. Here, your analysis becomes action, and your strategies help secure the well-being of thousands. You won’t just be reviewing risk—you’ll be rethinking it.

Take Charge of Your Career

Your next chapter starts now. If you're passionate about data-driven decisions, thrive in an autonomous environment, and want to help redefine how risk is managed in the insurance industry, we want to hear from you.

Applications are open to professionals from the United States, Canada, United Kingdom, European Union, Australia, India, and many other international regions.