Senior Underwriter

As an Underwriter for MotivHealth, you will be responsible for generating new business rate proposals across medical, pharmacy, and stop-loss products. You’ll evaluate large claimant impacts, conduct claims and risk analysis, and collaborate cross-functionally with teams in Actuarial, Sales, Clinical Services, and Finance. You'll also play a central role in RFP responses, group renewals, and maintaining 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.

This is a remote role open to candidates residing in Utah, Texas, Arizona, or Colorado.

HOW YOU’LL MAKE AN IMPACT:

• 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.

WHAT YOU BRING:

• A degree in Business, Finance, Statistics, or a closely related field - or equivalent professional experience
• 5 years of experience in underwriting, preferably in large group health insurance
• Understanding of health insurance plans like fully insured, level-funded, ASO, and stop-loss.
• Basic knowledge of healthcare pricing, funding methods, and Health Savings Accounts (HSAs).
• Comfortable using 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.

HOW WE SUPPORT YOU:

• 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

MotivHealth 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, MotivHealth is the place for you.

Job Type: Full-time

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Health insurance
• Health savings account
• Life insurance
• Paid time off
• Referral program
• Retirement plan
• Vision insurance

Application Question(s):

• How would you rate your proficiency in Microsoft Excel? (Basic / Intermediate / Advanced)

Education:

• Bachelor's (Preferred)

Experience:

• Underwriting: 5 years (Required)
• Health Insurance Plans: 1 year (Preferred)

Work Location: Remote