Health Underwriter

Job Description

Job Description

Position Summary The Health Underwriter is responsible for assessing medical risk for a PEO-sponsored medical plan. This role operates within specific authority limits, handling assignments of significant technical complexity and coordination. The underwriter applies underwriting policies, guidelines, rating rules, and carrier regulations to accurately price medical risk. Applicant Must be in the US and able to acess our offices in Chandler AZ as this role is onsite

Essential Duties and Responsibilities

• Collect and review customer-specific information (existing group medical plans and rates, employee census, carrier history, previous claim experience) to ensure submission completeness and accuracy.

• Collaborate with Sales and support teams to obtain all collateral needed for quoting; communicate clearly and promptly about missing items or discrepancies.

• Calculate rates for complex group cases through thorough analysis of group experience, industry, location, size, and demographics using underwriting methods.

• Exercise judgment in assessing new business for master medical plans, working with senior underwriters or management to maintain a profitable book of business.

• Review and complete all sales requests and inquiries according to company standards and policy guidelines.

• Update underwriting systems appropriately.

• Share underwriting knowledge and educate peers and sales team members.

• Review and learn plan offerings, internal relationships, underwriting/team guidelines, processes, procedures, company strategy, and organizational structure.

• Exhibit strong attention to detail while efficiently switching between tasks.

• Demonstrate proficiency in managing multiple systems/programs simultaneously.

• Manage and prioritize multiple incoming requests effectively in a fast-paced environment.

Knowledge, Skills, and Abilities

• Proficient in computer use to access necessary information.

• Ability to read and interpret safety rules, operating/maintenance instructions, and procedure manuals.

• Skilled in writing routine reports, correspondence, and effective communication with employees, management, customers, and vendors.

• Competent in basic mathematics including addition, subtraction, multiplication, division, ratios, percentages, and decimals.

• Apply common sense understanding to follow instructions in written, oral, or diagram form.

• Problem-solving skills involving variables in standardized situations.

• Ability to work under direction and collaborate well with all company areas including management and peers.

• Excellent time, resource management, and planning skills.

• Impeccable attention to detail.

• Team player who is conscientious, reliable, discreet, confidential, and honest.

• Take-charge professional approach with high quality standards, strong work ethic, and positive assertiveness.

Education & Experience

• High School Diploma required; Associate's degree preferred or equivalent experience.

• Minimum 2 years of insurance carrier underwriting experience preferred.

• Minimum 2 years of PEO underwriting experience preferred.

• Proficiency in Microsoft Word, PowerPoint, and Excel.

• Familiarity with office environments.

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We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.