Senior Underwriter

As an Underwriter at Motiv Health, you will develop rate proposals for new and renewal business across medical, pharmacy, and stop-loss products. You will assess large claimant impacts, perform claims and risk analysis, and partner cross-functionally with Sales, Clinical Services, Finance, and other teams. This role is also integral to RFP responses, group renewals, and ensuring pricing accuracy.

This position offers an exciting opportunity to deepen your expertise in underwriting, work directly with brokers and clients, and grow your career with a forward-thinking leader in the healthcare industry.

• Collaborate with Sales and Account Executives to prepare, respond to, and execute proposals for both prospective and renewing clients.
• Create accurate and timely rate proposals using internal underwriting models, ensuring alignment with business and regulatory requirements.
• Analyze group-level healthcare data including claims, premiums, and high-cost claimant experience.
• Evaluate credibility based on population size and predictive behavior; identify and troubleshoot potential data issues.
• Perform underwriting tasks related to stop-loss, ASO, medical, dental, vision, and pharmacy products.
• Provide financial analysis and recommendations on group insurance arrangements to internal stakeholders.
• Support implementation processes by setting up and validating group structures, rates, and documentation.
• Support internal audits and participate in underwriting or cross-functional projects as needed.

• A degree in Business, Finance, Statistics, or a closely related field - or equivalent professional experience
• 5+ years of underwriting experience
• Understanding of health insurance plans i.e., fully insured, level-funded, ASO, and stop-loss.
• Basic knowledge of healthcare pricing, funding methods, and Health Savings Accounts (HSAs).
• Proficient in Excel (Macros, Pivot Tables), Microsoft Office, and working with data
• Great attention to detail and strong organizational skills
• Clear and confident communication, both written and verbal
• Innovator with a strong desire to challenge existing norms related to traditional healthcare and health insurance

• 5% annual bonus based on company profitability
• Affordable health, vision, and dental insurance for you and your family
• Company contributes up to $2,300 to Health Savings Account annually
• Wellness program that contributes additional money towards your HSA
• Automatic 3% contribution into retirement plan
• Career development and growth opportunities
• Flexible Time Off & 10 paid holidays per year

Motiv Health is a dynamic and mission-driven health insurance company dedicated to disrupting the status quo by making healthcare simpler and more affordable for our members. We believe in empowering our members to take control of their health and financial well-being. Our innovative approach requires a team of passionate, talented individuals who aren't afraid to challenge conventional thinking and build solutions that truly make a difference.

If you're looking to contribute your skills to a company that values innovation and positive impact, Motiv Health is the place for you.