Senior Analyst, Underwriter

CVS Health Corporation; Dover (DE); On-site; USD 73,000 - 122,000; Full time

Job summary

CVS Health invites applications for an Underwriting role within Meritain Health, a CVS subsidiary. This fully remote position supports pricing, stop loss strategies, and proposal development for a diversified client base including Mid-Market and captive channels.

Ideal candidates have 1–2 years in medical insurance with strong communication, analytical skills, and teamwork. Bachelor’s degree is preferred; Excel and Salesforce experience are desirable.

Qualifications

• 1–2 years of applicable medical insurance experience (brokers, carriers, TPA, underwriting, etc.).
• Excellent verbal and written communication skills.
• Exceptional problem solving and decision-making skills.
• Demonstrated analytical skills.
• Adept at collaboration and teamwork.
• Adept at growth mindset skills.

Responsibilities

• Provide guidance to Sales and Client Management on pricing and stop loss strategies.
• Prepare and issue quotations and other financial deliverables for prospective and existing business.
• Prepare financial projections on prospects using Excel and Salesforce.
• Market and place stop loss policies; negotiate terms based on claims data and cost reduction efforts.
• Collaborate with leadership across functional areas to understand impacts of custom requests.
• Manage and interpret operational data and apply to fee development and financial analysis.
• Present to internal/external customers and business partners.
• Demonstrate understanding of Meritain products and services with strong business and systems knowledge.
• Develop and participate in presentations to customers, partners, and internal teams.
• Work with Sales to determine product mix on proposals to reduce total cost of care.

Skills

Verbal communication

Written communication

Analytical thinking

Problem solving

Collaboration

Growth mindset

Education

High School Diploma or equivalent

Bachelor’s degree preferred

Tools

Microsoft Excel

Salesforce

Job description

We’re building a world of health around every individual — shaping a more connected, convenient and compassionate health experience. At CVS Health®, you’ll be surrounded by passionate colleagues who care deeply, innovate with purpose, hold ourselves accountable and prioritize safety and quality in everything we do. Join us and be part of something bigger – helping to simplify health care one person, one family and one community at a time.

Position Summary

This Underwriting role is for Meritain Health, an independent subsidiary of Aetna and CVS, and one of the nation's largest employee benefits administrators. We have the resources of a national carrier coupled with the unique flexibility and devoted service of a third-party administrator (TPA).

The Meritain Health underwriting department supports the attainment of organizational goals through the issuance of prospective and existing business quotations and proposals. Including administrative fee pricing, stop loss, RFP questionnaire responses, and plan consultation.

This fully-remote position will have the opportunity to work on a diversified book of business including Mid-Market and our Captive/Alternate channels.

Responsibilities Include

• Provide guidance and consultation to our Sales and Client Management teams on pricing and stop loss strategies

• Prepares and issues quotations and other financial deliverables for prospective and existing business while meeting established departmental TAT goals.

• Prepares financial projections on prospects utilizing financial models in Excel and Salesforce.

• Marketing and placement of stop loss policies, negotiating terms based upon claims data, strategy, relationships. and cost avoidance/reduction efforts.

• Works with leaders from key functional areas to understand potential impacts for custom requests.

• Manages and interprets operational data and applies to fee development and financial analysis.

• Presents to internal/external customers, constituents, and business partners

• Displays a clear understanding of the Meritain products and services along with strong business and systems knowledge

• Develops and participates in presentation to existing and prospective customers, business partners and internal business areas.

• Collaborates with leadership in Sales to determine the appropriate product mix to issue on proposals that target reducing total cost of care for the plan sponsor.

• Independently assists sales and client management personnel in explaining rates/fees and communication of underwriting and stop loss policies.

• Establishes and maintains a positive and productive relationship with sales, client management, our stop loss panel and internal partners.

Required Qualifications

• 1-2 Years of applicable medical insurance experience: brokers (producers), carriers, third-party administrators, benefit analysis, underwriting, rating methodologies, or policy marketing, etc.

• Excellent verbal and written communication skills.

• Exceptional problem solving and decision-making skills.

• Demonstrated analytical skills.

• Adept at collaboration and teamwork.

• Adept at growth mindset (agility and developing yourself and others) skills.

Preferred Qualifications

• 3-4 Years of applicable medical insurance experience: brokers (producers), carriers, third-party administrators, benefit analysis, underwriting, rating methodologies, or policy marketing, etc.

• Bachelor's degree preferred/specialized training.

• Intermediate/advanced Microsoft Excel.

• Experience with Salesforce.

Education

• High School Diploma, GED or equivalent.

Anticipated Weekly Hours

40

Time Type

Full time

Pay Range

The typical pay range for this role is:

$46,988.00 - $122,400.00

This pay range represents the base hourly rate or base annual full-time salary for all positions in the job grade within which this position falls. The actual base salary offer will depend on a variety of factors including experience, education, geography and other relevant factors. This position is eligible for a CVS Health bonus, commission or short-term incentive program in addition to the base pay range listed above.

Our people fuel our future. Our teams reflect the customers, patients, members and communities we serve and we are committed to fostering a workplace where every colleague feels valued and that they belong.

Great benefits for great people

We take pride in offering a comprehensive and competitive mix of pay and benefits that reflects our commitment to our colleagues and their families.

This full‑time position is eligible for a comprehensive benefits package designed to support the physical, emotional, and financial well‑being of colleagues and their families. The benefits for this position include medical, dental, and vision coverage, paid time off, retirement savings options, wellness programs, and other resources, based on eligibility.

Additional details about available benefits are provided during the application process and on Benefits Moments (https://learn.bswift.com/cvshealth-mainland) .

We anticipate the application window for this opening will close on: 10/16/2026

Qualified applicants with arrest or conviction records will be considered for employment in accordance with all federal, state and local laws.

CVS Health is an equal opportunity/affirmative action employer, including Disability/Protected Veteran — committed to diversity in the workplace.