Small Group Underwriter
Seeking a detail-oriented and experienced Small Group Underwriter to join our underwriting team. The ideal candidate will have a strong background in evaluating medical questionnaires and applying medical underwriting guidelines, such as Milliman or similar, to assess risk and make sound underwriting decisions. This role is critical in supporting our small group health insurance products and ensuring the integrity and profitability of our book of business.
Key Responsibilities:
Review and evaluate small group applications, including census data and medical questionnaires.
Assess risk based on health history and apply appropriate rating factors or coverage decisions.
Utilize medical underwriting guidelines (e.g., Milliman) to support decision-making.
Collaborate with sales, brokers, and compliance teams to clarify information and ensure timely processing.
Communicate underwriting decisions clearly and professionally to internal and external stakeholders.
Maintain up-to-date knowledge of underwriting policies, industry regulations, and emerging trends.
Assist in developing and updating internal underwriting procedures and guidelines.
Ensure all decisions are compliant with state and federal regulations.
Qualifications:
3+ years of experience in health insurance underwriting, preferably in small group markets.
Demonstrated experience reviewing and interpreting medical questionnaires.
Strong working knowledge of Milliman guidelines or equivalent medical underwriting tools.
Familiarity with ACA regulations, rating methodologies, and small group market dynamics.
High attention to detail with strong analytical and decision-making skills.
Effective written and verbal communication abilities.
Proficiency in Microsoft Office (Excel, Word) and underwriting systems/tools.
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