Senior Underwriter

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🌵 Arizona, Colorado, +2 more states – Remote

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⏰ Full Time

🟠 Senior

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MotivHealth

WebsiteLinkedInAll Job Openings

51 - 200 employees

Founded 2015

🛡️ Insurance

🏥 Healthcare

💳 Fintech

Insurance • Healthcare • Fintech

MotivHealth is an innovative insurance company that focuses on creatively solving the high cost of healthcare. They aim to empower their members to become motivated healthcare consumers by providing a suite of integrated cost-saving solutions. Their offerings include SmartPay programs for price comparison in healthcare services and RX Assistance to reduce pharmacy costs. MotivHealth specializes in HSA-Qualified Health Plans and strives to help members grow their health savings and lower premiums, which leads to better health outcomes. Their unique approach significantly reduces annual premium increases when employers adopt smarter health plans.

📋 Description

• Develop rate proposals for new and renewal business across medical, pharmacy, and stop-loss products. • Assess large claimant impacts, perform claims and risk analysis, and partner cross-functionally with Sales, Clinical Services, Finance, and other teams. • Integral to RFP responses, group renewals, and ensuring pricing accuracy. • 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.

🎯 Requirements

• 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

🏖️ Benefits

• 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