Senior Stop-Loss Underwriter - Self-Funded Risk Specialist

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

Job summary

HM Insurance Group in Colorado seeks an experienced underwriter to price quotes and analyze contract structures for group plans. The role requires applying underwriting authority, ensuring profitability, and guiding risk strategies across renewals and new business.

You will analyze financial data, enrollments, and claim experience to determine benefits and rates, while providing reports and recommended pricing. Collaboration with internal teams and brokers is essential.

Qualifications

• 5-7 years underwriting experience in self-funded and converting fully insured prospects to self-funding.
• Must demonstrate analytical and mathematical aptitude with risk assessment.
• Underwriting policy compliance with HIPAA privacy and data protection.

Responsibilities

• Renew accounts and write new business at profitable levels to meet targets.
• Calculate rates and apply pricing policies across markets.
• Identify questionable claim patterns and advise on pricing adjustments.
• Apply risk management policies and adjust for unusual situations.
• Ensure client enrollment follows corporate rules and guidelines.
• Advise pricing adaptations for client-specific situations.
• Analyze member risk and coordinate with internal teams to manage it.
• Support fraud detection, compliance, wellness and product development efforts.
• Complete renewals and quotes, review junior analyst work for quality.
• Adapt to changing priorities as quotes come in from different markets.

Skills

Stakeholder interaction

Tech tools

Independent work

Corporate goals

Privacy compliance

Problem solving

Math aptitude

Education

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

6 years relevant, progressive experience in underwriting

Tools

Applicable computer systems

Electronic tools

Applications

Job description

HM Insurance Group in Colorado seeks an experienced underwriter to price quotes and analyze contract structures for group plans. The role requires applying underwriting authority, ensuring profitability, and guiding risk strategies across renewals and new business.

You will analyze financial data, enrollments, and claim experience to determine benefits and rates, while providing reports and recommended pricing. Collaboration with internal teams and brokers is essential.