Senior Medical Stop-Loss Underwriter – Pricing & Risk

Highmark Health; Montana; On-site; USD 79,000 - 127,000; Full time

Job summary

HM Insurance Group is seeking an experienced underwriter to price quotes and analyze group contract structures based on claims experience and employee group characteristics. The role requires applying underwriting policies to ensure profitability and growth while guiding lower level analysts.

The position emphasizes risk assessment for renewals and new enrollments, with collaboration across departments and external stakeholders to provide data-driven pricing and strategy.

Qualifications

• Bachelor's degree in a quantitative field is required.
• 5-7 years of underwriting experience in self-funded and converting fully insured prospects to self-funding.
• Ability to analyze risk factors, enrollments, renewals and amendments in line with underwriting policies.

Responsibilities

• Renew accounts and write new business at profitable levels.
• Calculate rates and interpret pricing policies.
• Identify questionable claim patterns and inform recommendations.
• Apply risk management policies to pricing.
• Adhere to privacy and confidentiality policies.

Skills

Stakeholder interaction

Analytical abilities

Proficient with corporate risk

Independent work

Privacy/compliance awareness

Education

Bachelor's Degree in Mathematics, Actuarial Science, Finance, Business, Computer Science or other quantitative analysis discipline

Job description

HM Insurance Group is seeking an experienced underwriter to price quotes and analyze group contract structures based on claims experience and employee group characteristics. The role requires applying underwriting policies to ensure profitability and growth while guiding lower level analysts.

The position emphasizes risk assessment for renewals and new enrollments, with collaboration across departments and external stakeholders to provide data-driven pricing and strategy.