Underwriting Consultant

At 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 equitable. Ready to make a difference? Join us to start Caring. Connecting. Growing together.

The Underwriting Consultant for Employer & Individual for Large Group Fully Insured is responsible for analyzing health benefit plans and assessing the risk profiles of both existing and prospective clients. This role applies established, compliant underwriting criteria, policies, and rating methodologies to ensure accurate pricing. The UW Consultant also evaluates internal and external reports to confirm that pricing reflects the assessed risk and aligns with internal performance metrics. The ability to deliver timely, accurate, and strategic pricing decisions is essential to meet client expectations and business goals.

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:

• Calculate rates, assess risk, and evaluate financial impact using established manual and experience rating methodologies
• Interpret claims and analyze data to guide pricing decisions
• Align pricing with budget goals and market competitiveness
• Stay current on industry trends and regulatory changes
• Ensure compliance and maintain documentation
• Collaborate with internal and external partners
• Solve complex business problems using industry knowledge
• Anticipate client needs and deliver proactive solutions
• Foster a team-first mindset and mentor peers
• Lead projects and cross-functional initiatives
• Manage workload to meet deadlines
• Inspire and motivate team members

You'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 group healthcare underwriting
• 3+ years of experience with Risk Management
• Demonstrated intermediate level of proficiency with MS Office suite (including Word, Excel and PowerPoint)
• Proven excellent communication skills both verbal and written

Preferred Qualifications:

• Ability to understand and calculate revenue, expense, risk and profit

*All employees working remotely will be required to adhere to UnitedHealth Group's Telecommuter Policy

Pay 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 $71,200 to $127,200 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.