Senior Underwriter & Analyst: Stop-Loss & Pricing

CVS Health; Des Moines (IA); On-site; USD 47,000 - 122,000; Full time

Job summary

CVS Health is seeking an Underwriter for Meritain Health to help price stop loss and prepare quotations for mid-market and captive channels. This fully remote role supports Sales and Client Management with financial modeling in Excel and Salesforce, delivering timely proposals and clear communication.

Ideal candidates have 1–2 years in medical insurance, strong analytical skills, and the ability to collaborate across teams while explaining rates and terms.

Qualifications

• 1-2 Years of applicable medical insurance experience: brokers (producers), carriers, third-party administrators, benefit analysis, underwriting, rating methodologies, or policy marketing, etc.
• Excellent verbal and written communication skills.
• Exceptional problem solving and decision-making skills.
• Demonstrated analytical skills.
• Adept at collaboration and teamwork.
• Adept at growth mindset (agility and developing yourself and others) skills.

Responsibilities

• Provide guidance and consultation to our Sales and Client Management teams on pricing and stop loss strategies.
• Prepares and issues quotations and other financial deliverables for prospective and existing business while meeting established departmental TAT goals.
• Prepares financial projections on prospects utilizing financial models in Excel and Salesforce.
• Marketing and placement of stop loss policies, negotiating terms based upon claims data, strategy, relationships. and cost avoidance/reduction efforts.
• Works with leaders from key functional areas to understand potential impacts for custom requests.
• Manages and interprets operational data and applies to fee development and financial analysis.
• Presents to internal/external customers, constituents, and business partners.
• Displays a clear understanding of the Meritain products and services along with strong business and systems knowledge.
• Develops and participates in presentation to existing and prospective customers, business partners and internal business areas.
• Collaborates with leadership in Sales to determine the appropriate product mix to issue on proposals that target reducing total cost of care for the plan sponsor.
• Independently assists sales and client management personnel in explaining rates/fees and communication of underwriting and stop loss policies.
• Establishes and maintains a positive and productive relationship with sales, client management, our stop loss panel and internal partners.

Skills

Verbal communication

Written communication

Analytical skills

Problem solving

Team collaboration

Growth mindset

Medical insurance knowledge

Education

High School Diploma, GED or equivalent

Tools

Microsoft Excel

Salesforce

Job description

CVS Health is seeking an Underwriter for Meritain Health to help price stop loss and prepare quotations for mid-market and captive channels. This fully remote role supports Sales and Client Management with financial modeling in Excel and Salesforce, delivering timely proposals and clear communication.

Ideal candidates have 1–2 years in medical insurance, strong analytical skills, and the ability to collaborate across teams while explaining rates and terms.