Senior Medical Underwriter — Group Insurance & Risk Strategy

Highmark Health; Alton (IL); On-site; USD 79,000 - 127,000; Full time

Job summary

HM Insurance Group is a U.S.-based underwriter pricing quotes and analyzing group contracts based on claims experience and employee mix. The role operates under underwriting authority within HMIG policies to ensure profitability and growth, identifying quotes that align with HMIG strategy.

Responsibilities include renewals and new business at profitable levels, rate calculations, risk analysis, and collaboration with internal teams on fraud detection, compliance, and product development.

Qualifications

• 5–7 years' underwriting experience in self-funded and converting fully insured prospects to self-funding.
• Bachelor's degree in a quantitative discipline as required.

Responsibilities

• Renewals and new business at profitable levels to meet targets.
• Calculate rates and interpret pricing policies.
• Identify questionable renewal patterns and develop recommendations.
• Apply risk management policies and adjust for unusual pricing scenarios.
• Ensure client compliance with risk policies during enrollment.
• Adapt pricing within policy guidelines for client situations.
• Support internal initiatives such as fraud detection and compliance.
• Complete renewals and quotes with timeliness.

Skills

Stakeholder collaboration

Computer skills

Independent work

Corporate goals

Privacy compliance

Problem solving

Math aptitude

Education

Bachelor's degree in Mathematics/Actuarial Science/Finance/Business/CS

Job description

HM Insurance Group is a U.S.-based underwriter pricing quotes and analyzing group contracts based on claims experience and employee mix. The role operates under underwriting authority within HMIG policies to ensure profitability and growth, identifying quotes that align with HMIG strategy.

Responsibilities include renewals and new business at profitable levels, rate calculations, risk analysis, and collaboration with internal teams on fraud detection, compliance, and product development.