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We have modest goals: Improve the lives of others. Change the landscape of health care forever. Leave the world a better place than we found it. Such aspirations tend to attract a certain type of person. Crazy talented. Compassionate. Driven. To these individuals, we offer the global reach, resources and can-do culture of a Fortune 5 company. We provide an environment where you’re empowered to be your best. We encourage you to take risks and in return, offer a world of rewards and benefits for performance. Exceeding your limits is an exceptional start to your life's best work.SM


Just like you, we are driven by a set of fundamental principles that are guiding our way forward. Our values of integrity, compassion, relationships, innovation, and performance serve as a foundation to transform health care. Are you in? Learn more about your future at UnitedHealth Group at careers.unitedhealthgroup.com


Job Category:

Underwriting and Pricing


United States

Postal Code:


Approximate Salary:

Not Specified

Position Type:

Full Time

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Sr. Underwriting Consultant - Cypress, CA

UHG - Minnetonka, Minnesota

Posted: 09/24/2018

For those who believe in the power of data to help write the next chapter in the history of health care, here's your opportunity. Advancement, an elite group of peers, variety of product lines, and rewards for delivering on our mission ensures you will always be challenged at UnitedHealth Group to do your life's best work.(sm)


The Senior Underwriting Consultant for the Southern CA Key Account market will analyze health benefit plan characteristics and assess risks as to frequency and potential severity of losses of clients. They will utilize underwriting criteria and policies to provide proper rating methodologies. They will also build and maintain models to assist in the economic analysis of market alternatives.  The Senior Underwriting Consultant is responsible for the evaluation and recommendation of alternative pricing options and plan design changes based on economic analysis and trends.


The position may be based in either Cypress, CA or San Diego, CA. 


Primary Responsibilities:

  • Prepare group level financial projections to assist with budgeting, forecasting, and other ongoing reviews that directly aligns with client strategies and organizational performance targets
  • Validate renewals and request for proposals for accuracy including utilization and experience reporting
  • Conduct competitive analysis of all coverage lines and present financial and contractual findings
  • Work collaboratively with sales and account management team to develop long term strategies that will achieve loss ratio, profitability, and retention objectives set forth by the business plan
  • Act as mentor and subject matter expert for other Underwriting team members

Required Qualifications:

  • Bachelor’s degree or relevant experience

  • 5+ years of experience in healthcare underwriting for any variety of products: PPO, HMO, self-funded, ASO/fully-insured, group or individual

  • 3+ years of experience with Risk Management

  • Excellent communication skills, both orally and in writing

  • Intermediate level of proficiency with MS Office


Preferred Qualifications:

  • Must be a self starter, analytical and exercise sound judgment

  • Must be flexible and able to thrive in an environment of rapid change

  • Assist leadership with analysis and special projects, demonstrating a strong appetite to develop, both personally and professionally


Careers at UnitedHealthcare Employer & Individual. We all want to make a difference with the work we do. Sometimes we're presented with an opportunity to make a difference on a scale we couldn't imagine. Here, you get that opportunity every day. As a member of one of our elite teams, you'll provide the ideas and solutions that help nearly 25 million customers live healthier lives. You'll help write the next chapter in the history of health care. And you'll find a wealth of open doors and career paths that will take you as far as you want to go. Go further. This is your life's best work.(sm)

Diversity creates a healthier atmosphere: UnitedHealth Group is an Equal Employment Opportunity/Affirmative Action employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, national origin, protected veteran status, disability status, sexual orientation, gender identity or expression, marital status, genetic information, or any other characteristic protected by law.

UnitedHealth Group is a drug-free workplace. Candidates are required to pass a drug test before beginning employment. 


Job Keywords: senior, underwriting, consultant, healthcare, calculation, financial, San Diego, Cypress, CA, California

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