Underwriter Stop Loss

Acrisure; Kentucky; On-site; USD 90,000 - 120,000; Full time

Benefits offered by this job

Comprehensive medical insurance

Generous paid time off

401(k) plan with immediate vesting

Paid maternity and paternity leave

Disability insurance

Fertility benefits

Wellness resources

Paid sick time

Job summary

A global fintech leader is seeking a Stop Loss Underwriter to evaluate, price, and manage risk for self-funded health plans. The role requires collaboration with sales, clinical, policy, and claims teams to ensure profitable underwriting. Candidates should have 2+ years of underwriting experience, strong knowledge of health plans, and proficiency in rating tools. Competitive benefits and a focus on community impact are key highlights of the position.

Qualifications

• 2+ years of stop loss underwriting experience.
• Strong knowledge of self-funded health plan structures.
• Experience reviewing large claimant reports and medical diagnoses.
• Proficiency in underwriting models and rating tools.

Responsibilities

• Review employer census data and claims experience.
• Evaluate specific and aggregate risk exposure.
• Establish appropriate attachment points and lasers.
• Price stop loss coverage according to guidelines.
• Analyze emerging large claims for recurrence risk.
• Underwrite new employer groups seeking coverage.
• Communicate underwriting decisions professionally.
• Balance competitiveness with profitability targets.
• Provide alternative quoting strategies when appropriate.
• Communicate underwriting decisions clearly and professionally with producers.
• Support producers during negotiations.
• Partner with clinical underwriting on high-cost cases.
• Coordinate with policy administration to ensure accurate contract terms.
• Adhere to delegated underwriting authority.
• Ensure compliance with state and federal regulations.

Skills

Stop loss underwriting experience

Knowledge of self-funded health plan structures

Experience reviewing large claimant reports

Proficiency in underwriting models

Job description

About Acrisure

A global fintech leader, Acrisure empowers millions of ambitious businesses and individuals with the right solutions to grow boldly forward. Bringing cutting-edge technology and top-tier human support together, we connect clients with customized solutions across a range of insurance, reinsurance, payroll, benefits, cybersecurity, mortgage services – and more.

In the last twelve years, Acrisure has grown in revenue from $38 million to almost $5 billion and employs over 19,000 colleagues in more than 20 countries. Acrisure was built on entrepreneurial spirit. Prioritizing leadership, accountability, and collaboration, we equip our teams to work at the highest levels possible.

Position is location‑flexible. Locations listed are primary locations. Applicants from additional locations will be considered.

Job Summary

The Stop Loss Underwriter is responsible for evaluating, pricing, and managing risk for employer‑sponsored self‑funded health plans. This role includes underwriting both new business and renewals, assessing specific and aggregate exposure, and ensuring profitability while maintaining competitive positioning in the marketplace.

The Stop Loss Underwriter collaborates with sales, clinical, policy, and claims teams to deliver sound underwriting decisions aligned with company guidelines and financial objectives.

Responsibilities

• Review employer census data, claims experience, and large claimant reports
• Evaluate specific and aggregate risk exposure
• Establish appropriate attachment points, lasers, and aggregate corridors
• Price stop loss coverage in accordance with underwriting guidelines
• Analyze emerging large claims and assess recurrence risk
• Underwrite new employer groups seeking stop loss coverage
• Analyze renewal performance and determine rate adjustments
• Balance competitiveness with profitability targets
• Provide alternative quoting strategies when appropriate
• Communicate underwriting decisions clearly and professionally with producers
• Support producers during negotiations
• Partner with clinical underwriting on high‑cost cases
• Coordinate with policy administration to ensure accurate contract terms
• Adhere to delegated underwriting authority
• Ensure compliance with state and federal regulations

Requirements

• 2+ years of stop loss underwriting experience (specific & aggregate preferred)
• Strong knowledge of self‑funded health plan structures
• Experience reviewing large claimant reports and medical diagnoses
• Proficiency in underwriting models and rating tools

Candidates should be comfortable with an on‑site presence to support collaboration, team leadership, and cross‑functional partnership.

Why Join Us

At Acrisure, we’re building more than a business, we’re building a community where people can grow, thrive, and make an impact. Our benefits are designed to support every dimension of your life, from your health and finances to your family and future.

Making a lasting impact on the communities it serves, Acrisure has pledged more than $22 million through its partnerships with Corewell Health Helen DeVos Children's Hospital in Grand Rapids, Michigan, UPMC Children's Hospital in Pittsburgh, Pennsylvania and Blythedale Children's Hospital in Valhalla, New York.

Employee Benefits

We also offer our employees a comprehensive suite of benefits and perks, including:

• Physical Wellness: Comprehensive medical insurance, dental insurance, and vision insurance; life and disability insurance; fertility benefits; wellness resources; and paid sick time.
• Mental Wellness: Generous paid time off and holidays; Employee Assistance Program (EAP); and a complimentary Calm app subscription.
• Financial Wellness: Immediate vesting in a 401(k) plan; Health Savings Account (HSA) and Flexible Spending Account (FSA) options; commuter benefits; and employee discount programs.
• Family Care: Paid maternity leave and paid paternity leave (including for adoptive parents); legal plan options; and pet insurance coverage.
• … and so much more!

This list is not exhaustive of all available benefits. Eligibility and waiting periods may apply to certain offerings. Benefits may vary based on subsidiary entity and geographic location.

Acrisure is an Equal Opportunity Employer. We consider qualified applicants without regard to race, color, religion, sex, national origin, disability, or protected veteran status. Applicants may request reasonable accommodation by contacting [e-mail].

Final candidates will be required to complete post‑offer verification processes related to the role and in accordance with applicable laws.

California Residents

Learn more about our privacy practices for applicants by visiting the Acrisure California Applicant Privacy Policy.

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Welcome, your new opportunity awaits you.