Large Group Medical Stop Loss Underwriter We are seeking an experienced Large Group Medical Stop Loss Underwriter to evaluate, price, and manage risk for large employer-sponsored, self-funded health plans. Working closely with underwriting leadership, this role will help expand large-group capabilities, develop underwriting guidelines and pricing tools, and deliver competitive, profitable Stop Loss solutions for new business and renewals.
Key Responsibilities
Risk Assessment & Underwriting:
Evaluate Specific and Aggregate Stop Loss coverage for large employer groups.
Analyze claims experience, high-cost claimants, utilization trends, plan design, and overall risk exposure.
Conduct financial and medical risk assessments to support sound underwriting decisions.
Apply underwriting guidelines, authority limits, and regulatory requirements consistently.
Pricing & Financial Analysis:
Develop competitive pricing using underwriting tools, actuarial models, claims data, and professional judgment.
Establish rate levels, aggregate factors, and cost-of-risk assumptions.
Review high-cost claims and emerging trends to determine appropriate pricing and risk adjustments.
Finalize rates that balance market competitiveness with profitability.
New Business & Renewals:
Underwrite new business and renewal opportunities for large employer groups.
Develop renewal strategies that support retention while maintaining acceptable loss ratios.
Collaborate with brokers, consultants, and business partners to support growth and profitability.
Communicate underwriting decisions and pricing recommendations effectively.
Portfolio Management & Profitability:
Monitor block performance, loss ratios, close ratios, renewal increases, and persistency.
Identify emerging risks and recommend corrective actions to protect profitability.
Help develop and refine underwriting guidelines, rate manuals, tools, processes, and governance standards.
Support policy issuance, premium collection, and claim approval processes as needed.
Serve as a subject matter expert and mentor on large-group risk, pricing, and claim trends.
Qualifications & Experience:
Bachelor's degree or equivalent relevant experience.6+ years of medical Stop Loss underwriting experience, preferably with large employer groups.
Experience underwriting complex, high-risk cases across new business and renewals.
Strong knowledge of Stop Loss pricing, claims analysis, risk assessment, and large-group market dynamics.
Ability to analyze complex financial and medical data and make sound underwriting decisions.
Strong communication and relationship-building skills with brokers, consultants, and internal partners.
Demonstrated ability to evaluate portfolio performance and support profitable growth.
Position can be remote - must reside in Central Time ZonePlease submit resume to: Jennifer.Thompson@gogpac.com and reference: Large Group Medical Stop Loss Underwriter
