Underwriting Consultant

Job ID: 95333806096Posted: 2026-08-01Location: Hartford, Connecticut, United StatesSalary: $72,800 - $130,000/yearJob Area: Underwriting & PricingCompany: UnitedHealth GroupAt UnitedHealthcare, we're simplifying the health care experience, creating healthier communities and removing barriers to quality care. The work you do here impacts the lives of millions of people for the better. Come build the health care system of tomorrow, making it more responsive, affordable and optimized. Ready to make a difference? Join us to start Caring. Connecting. Growing together.The Underwriting Consultant will analyze health benefit plan characteristics and assess risks as to frequency and potential severity of losses of clients. This individual will analyze health benefit plan characteristics and assess risks as to frequency and potential severity of losses of clients. Will utilize established underwriting criteria and policies to provide proper rating methodologies. Will build and maintain models to assist in the economic analysis of market alternatives. The Underwriting Consultant will evaluate and recommend alternative pricing options and plan design changes based on economic analysis and trends. This individual will also prepare financial modeling for reserve calculation, budget calculation, and other ongoing reviews that directly aligns with client strategies. They will validate renewals and request for proposals for accuracy including utilization & experience reporting.You'll enjoy the flexibility to work remotely* from anywhere within the U.S. as you take on some tough challenges. For all hires in the Minneapolis or Washington, D.C. area, you will be required to work in the office a minimum of four days per week. Primary Responsibilities:Primary focus will be on an ASO book of businessIntricate focus on product integration to maximize company financialsWork closely with underwriting and account management to derive competitive financial responsesMeets quarterly reporting requirementsAnticipates customer needs and proactively develops solutions to meet themServes as a key resource on complex and/or critical issuesSolves complex problems, develops innovative solutions, and performs complex analysesReviews work performed by others and provides recommendations for improvementForecasts and plans resource requirementsAuthorizes deviations from standardsMay lead functional or segment teams or projectsProvides explanations and information to others on the most complex issuesMotivates and inspires other team membersDevelops innovative approachesSought out as an expert and serves as a leader/ mentorYou'll be rewarded and recognized for your performance in an environment that will challenge you and give you clear direction on what it takes to succeed in your role as well as provide development for other roles you may be interested in.Required Qualifications:3+ years of experience in the healthcare industry underwriting/managing financials for a defined book of business for any variety of products: PPO, HMO, Stop Loss, Pharmacy, Dental, Vision, Ancillary, Self-Funded, ASO/Fully-Insured for group or individual clients1+ years of experience with Risk ManagementIntermediate level of proficiency with MS Office suite (including Word, Excel and PowerPoint)Proven excellent communication skills, both orally and in writing Preferred Qualification:Ability to understand and calculate revenue, expense, risk and profit *All employees working remotely will be required to adhere to UnitedHealth Group's Telecommuter PolicyPay is based on several factors including but not limited to local labor markets, education, work experience, certifications, etc. In addition to your salary, we offer benefits such as, a comprehensive benefits package, incentive and recognition programs, equity stock purchase and 401k contribution (all benefits are subject to eligibility requirements). No matter where or when you begin a career with us, you'll find a far-reaching choice of benefits and incentives. The salary for this role will range from $72,800 to $130,000 annually based on full-time employment. We comply with all minimum wage laws as applicable.Application Deadline: This will be posted for a minimum of 2 business days or until a sufficient candidate pool has been collected. Job posting may come down early due to volume of applicants.At UnitedHealth Group, our mission is to help people live healthier lives and make the health system work better for everyone. We believe everyone-of every race, gender, sexuality, age, location and income-deserves the opportunity to live their healthiest life. Today, however, there are still far too many barriers to good health which are disproportionately experienced by people of color, historically marginalized groups and those with lower incomes. We are committed to mitigating our impact on the environment and enabling and delivering equitable care that addresses health disparities and improves health outcomes - an enterprise priority reflected in our mission.UnitedHealth Group is an Equal Employment Opportunity employer under applicable law and qualified applicants will receive consideration for employment without regard to race, national origin, religion, age, color, sex, sexual orientation, gender identity, disability, or protected veteran status, or any other characteristic protected by local, state, or federal laws, rules, or regulations.UnitedHealth Group is a drug-free workplace. Candidates are required to pass a drug test before beginning employment.