Remote PEO Underwriter: Health Benefits & Risk

Niural Inc.; New York (NY); On-site; USD 70,000 - 100,000; Full time

Job summary

Niural Inc. invites a PEO Underwriter in a work-from-home role with occasional travel for training. You will evaluate, price, and manage risk for PEO groups within a co-employment model, owning cases end-to-end.

Ideal candidates have 1–3 years in health insurance underwriting or related analytics, strong data skills, and ability to collaborate across teams while maintaining regulatory compliance.

Qualifications

• Bachelor’s degree in a related analytical field.
• 1–3 years of experience in health insurance underwriting or related analytical roles.
• Strong attention to detail with data accuracy.
• Proficiency with large datasets and spreadsheet-based analysis.
• Clear written and verbal communication skills.

Responsibilities

• Independently prioritize underwriting requests across new business, renewals, and census updates.
• Review submissions for completeness, including census files, prior carrier invoices, renewal packets, plan designs, eligibility rules, SIC codes, and participation details.
• Assess case complexity and determine appropriate underwriting timelines based on SLAs and effective dates.
• Audit census data for missing fields, formatting inconsistencies, dependent mismatches, ZIP code anomalies, and eligibility flags.
• Validate prior carrier documentation including rates, contribution structures, enrollment counts, and renewal methodologies.
• Analyze claims experience, loss ratios, credibility, and trend factors to support pricing decisions.
• Apply underwriting principles within a PEO/MEWA framework, including risk pooling, composite rating, and multi-state regulatory considerations.
• Develop and deliver pricing recommendations for new and renewing groups, ensuring alignment with profitability targets and carrier guidelines.
• Identify risk drivers such as participation issues, demographic shifts, high-cost claimants, and plan migration patterns.
• Prepare underwriting summaries and rationale for internal stakeholders and carrier partners.
• Work closely with brokers, sales teams, and internal partners to clarify missing or unclear submission information to prevent delays.
• Partner with Compliance to support ACA affordability testing, eligibility determinations, and regulatory adherence.
• Collaborate with Benefits Operations (BenOps), Implementation, and Payroll/HRIS teams to ensure downstream processes receive clean, accurate data.
• Maintain organized underwriting files, documentation, and audit trails in accordance with internal and carrier standards.
• Ensure PHI and sensitive data are handled securely and in compliance with HIPAA and internal protocols.
• Contribute to continuous improvement initiatives, including workflow enhancements, data quality improvements, and underwriting playbook updates.

Skills

Excel

Data analysis

Underwriting

Attention to detail

Communication

Independent work

Education

Bachelor’s degree in Finance, Mathematics, Statistics, Computer Science, Economics

Tools

Google Sheets

HRIS systems

Job description

Niural Inc. invites a PEO Underwriter in a work-from-home role with occasional travel for training. You will evaluate, price, and manage risk for PEO groups within a co-employment model, owning cases end-to-end.

Ideal candidates have 1–3 years in health insurance underwriting or related analytics, strong data skills, and ability to collaborate across teams while maintaining regulatory compliance.