Senior Stop Loss Consultant

🔥 0 minutes ago

🤠 Texas – Remote

🤠 Texas – Remote

⏰ Full Time

🟠 Senior

💼 Consultant

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Higginbotham

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Founded 1948

🤝 B2B

👥 HR Tech

💰 $20.7M Series unknown on 2015-01

B2B • Financial • HR Tech

Higginbotham is a private, employee-owned insurance brokerage and advisory firm that provides comprehensive insurance, employee benefits, HR and financial services to businesses and individuals. The company offers commercial and specialty industry insurance, risk management and claims advocacy, employee benefits and retirement plan administration, HR outsourcing and technology, and personal insurance solutions. Higginbotham emphasizes personalized service, community engagement, and long‑term partnerships, delivering tailored plans, consulting, and ongoing support to help clients manage risk and financial planning.

📋 Description

• Lead or support the full stop-loss placement process: data collection, market submissions, quote analysis, and recommendation. • Negotiate stop-loss contracts and renewals directly with carriers to ensure optimal pricing, terms, and coverage structures. • Serve as a stop-loss lead on new business opportunities and client transitions from fully insured to self-funded arrangements. • Oversee the stop-loss implementation process in coordination with TPAs and carrier partners, ensuring policies are issued accurately and on time. • Review and reconcile contracts, disclosures, ASO provisions, and reimbursement terms for alignment and accuracy. • Monitor large claims activity and work closely with TPAs and carriers to support timely reimbursement submissions and payments. • Manage a portion of the stop-loss book, including strategic guidance on renewals, plan design, captives, lasers, and risk mitigation strategies. • Help direct and manage workflow for junior team members or peers as assigned, ensuring timely, accurate delivery of client work. • Contribute to the development of standardized templates, reporting tools, and documentation procedures to improve efficiency and scale.

🎯 Requirements

• Bachelor’s degree in Business Administration, Risk Management, Healthcare Administration, or related field • Minimum of 7 years in employee benefits, with at least 5 years of direct stop-loss consulting, underwriting, or carrier negotiation experience • Experience with a mix of fully insured, level-funded, and self-funded plans across multiple funding structures (ASO, minimum premium, captives) • Familiarity with TPA models, ASO contract structures, and reimbursement mechanisms • Ability to interpret and explain stop-loss terms, underwriting decisions, and claim adjudication policies to internal and external stakeholders • Experience working with stop-loss platforms (e.g., Claros, Ringmaster) preferred • Proficiency in Excel, PowerPoint, and internal reporting tools • Current state insurance license (or ability to obtain within 90 days of hire)

🏖️ Benefits

• Equal Opportunity Employer