Underwriter I - Association Health Plan

About the role

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.

Essential Duties And Responsibilities

• 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.
• 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.

Qualifications

• 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

Skills

• 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 deadlines
• Proficient in Microsoft Office Suite

Benefits

We are proud to provide comprehensive, high quality employee programs to meet employees' needs now and in the future, including a very competitive financial package. We encourage you to explore what we have to offer.