Senior Medical Stop-Loss Underwriter: Strategic Risk & Pricing

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

Job summary

HM Insurance Group in Rhode Island is seeking an experienced underwriter to price quotes and analyze group contracts based on claims experience, employee group characteristics, and market data.

You will apply underwriting policies, provide risk management insights, and generate reports for clients and producers to support profitability and growth. This role requires 5–7 years of underwriting experience with self-funded or conversion projects.

Qualifications

• Bachelor's Degree in a quantitative field.
• 6 years progressive experience can substitute.
• 5-7 years underwriting self-funded and converting to self-funding.

Responsibilities

• Price quotes and analyze group contracts based on claims experience and employee group characteristics.
• Identify when to decline quotes that do not fit HMIG strategy and risk structure.
• Prepare reports and provide rationale on underwriting results and financial activity.
• Support maintenance of departmental tools and processes and guidance to lower level underwriters.

Skills

Underwriting knowledge

Financial analysis

Risk assessment

Team collaboration

Privacy/compliance

Problem solving

Math aptitude

Education

Bachelor's degree in Mathematics, Actuarial Science, Finance, Business, Computer Science

Tools

Pricing software

Data systems

Job description

HM Insurance Group in Rhode Island is seeking an experienced underwriter to price quotes and analyze group contracts based on claims experience, employee group characteristics, and market data.

You will apply underwriting policies, provide risk management insights, and generate reports for clients and producers to support profitability and growth. This role requires 5–7 years of underwriting experience with self-funded or conversion projects.