Senior Medical Underwriter - Group Risk & Pricing Lead

Highmark Health; Clayton (MO); On-site; USD 79,000 - 127,000; Full time

Job summary

HM Insurance Group is seeking an experienced underwriter to price quotes, analyze group contracts, and manage risk across self-funded and fully insured plans. The role involves applying underwriting policies, reviewing claims experience, and ensuring profitability while supporting sales and clients.

The candidate will prepare reports, advise on pricing changes, and mentor junior analysts, working within HMIG’s risk framework and policy guidelines.

Qualifications

• Bachelor's degree in quantitative field is required.
• 5–7 years underwriting experience in self-funded and converting to self-funded plans.
• Experience with pricing and risk-based rate setting for group contracts.

Responsibilities

• Renew accounts and write new business at profitable levels.
• Calculate rates and apply pricing policies; adapt to unusual cases.
• Identify questionable claim patterns and adjust pricing accordingly.
• Ensure compliance with risk management policies and enrollment criteria.
• Prepare reports and provide rationale on underwriting results and financials.
• Support cross-functional initiatives and guide junior analysts.

Skills

Stakeholder management

Systems proficiency

Independent work

Ethical conduct

Problem solving

Math aptitude

Education

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

Job description

HM Insurance Group is seeking an experienced underwriter to price quotes, analyze group contracts, and manage risk across self-funded and fully insured plans. The role involves applying underwriting policies, reviewing claims experience, and ensuring profitability while supporting sales and clients.

The candidate will prepare reports, advise on pricing changes, and mentor junior analysts, working within HMIG’s risk framework and policy guidelines.