Underwriter - Association Health Plan

SUMMARY

Responsible for working with Underwriting team in reviewing, evaluating and underwriting assigned pricing requests for Association Health Plans. Handles primary underwriting functions for assigned projects.

• Assists in all aspects of underwriting for assigned accounts, Association Health Plan (AHP) programs, and employer groups, including risk assessment, pricing, and financial analysis.
• Evaluates small and mid-sized employer groups for participation in Association Health Plans through analysis of demographic, enrollment, contribution, claims, and utilization data.
• Develops, maintains, and applies underwriting and rating models to support new business quotes, renewals, and ongoing program management.
• Analyzes employer group risk profiles and recommends appropriate risk tiers, pricing adjustments, and underwriting actions based on established guidelines and strategic objectives.
• Provides underwriting, pricing, financial, and analytical support to assigned service teams, producers, clients, and carrier partners.
• Assists in the development of pricing evaluations, financial projections, alternative funding analyses, and benefit plan options as requested by clients and service teams.
• Reviews competitive market data, carrier proposals, benefit designs, and pricing trends to support strategic positioning, growth, retention, and profitability objectives.
• Monitors market conditions, carrier rate actions, industry trends, and regulatory developments affecting Association Health Plans and employee benefits programs.
• Manages and tracks all quoting, underwriting, renewal, and rating activity for assigned accounts, programs, brokers, and employer groups.
• Maintains data tracking and reporting systems for financial management, underwriting models, quote activity, renewal outcomes, client reporting, competitive analysis, and other analytical deliverables.
• Maintains working knowledge of carrier, TPA, enrollment, and reporting systems necessary to obtain data required for underwriting, financial analysis, and program management.
• Maintains complete files, underwriting documentation, historical data, pricing assumptions, and supporting analysis for all assigned clients and programs.
• Ensures underwriting decisions, pricing recommendations, and financial analyses are properly documented and communicated to relevant stakeholders.
• Supports broker and client discussions by providing underwriting insights, pricing rationale, renewal analysis, and financial recommendations.
• Identifies opportunities to improve underwriting processes, pricing methodologies, reporting capabilities, operational efficiencies, and program performance.
• Actively engages in continuing education opportunities to further underwriting expertise, market knowledge, financial acumen, and understanding of the regulatory environment.
• Responsible for the accuracy, quality, and timeliness of all work performed, including effective management of priorities, project timelines, and established deadlines.
• Ensures compliance with applicable federal and state regulations, carrier guidelines, Association Health Plan requirements, and internal underwriting standards.
• Complies with agency management system data standards and data integrity (enters and maintains complete and accurate information).
• Performs all duties in accordance with all company policies and procedures, and all federal, state and local laws, wherein the Company operates.
• Performs other duties as assigned.

• Bachelor's Degree or equivalent combination of education and experience
• Related work experience in underwriting
• Valid Insurance License within 90 Days
• Must continue to meet Continuing Education requirements for license renewal

• Excellent verbal and written communication skills
• Excellent problem solving and time management skills
• Good customer service skills, including telephone and listening skills
• Excellent planning, organizational and prioritization skills
• Ability to work within a team and to foster teamwork
• Ability to work productively as an individual to accomplish assigned projects
• Ability to prioritize work for multiple projects and…