Health Plan Underwriting Manager

We exist for workers and their employers -- who are the backbone of our economy.  That is where Centivo comes in -- our mission is to bring affordable, high-quality healthcare to the millions who struggle to pay their healthcare bills.

The Health Plan Underwriting Manager will sit within the Healthcare Finance & Analytics Team and will support the broader sales team by developing and delivering financial (including underwriting, actuarial and stop loss performance) analyses to support the business. 

This role will work cross-functionally across Growth, Client Success and Network functions to clean, analyze, and synthesize data to share with technical and non-technical audiences. 

The role requires a deep understanding of health care delivery and health benefit plans as well as advanced data analysis skills and expertise in analytics software. The Underwriter should be able to independently assess risk, structure underwriting strategies, and articulate business implications to both internal stakeholders and external partners.  

Responsibilities Include: 

• Design, develop and implement pricing models, inclusive of risk sharing methodology that align to company financials and business results and also align with sales process and support delivery of the sales results 

• Design, develop and maintain financial/underwriting models to support sales, RFP responses, renewals and provider/network contracting processes 

• Work in collaboration with other teams/departments to drive improvements in stop loss processes, including providing technical analysis on stop loss quotes, renewals, etc. Support or lead negotiations of stop loss proposals as needed 

• Assist the Growth team, benefit advisors and employers with plan design, contribution modeling, development of premium equivalents and benefit plan accrual rates 

• Provide technical analysis on stop loss quotes, renewals, etc. 

• Work with Client Success team and Healthcare Analytics team to develop year-end client reviews and renewals 

Qualifications: 

Required Skills and Abilities: 

• Bachelor’s degree in a quantitative discipline (math, actuary, statistics, risk/insurance, economics, econometrics, financial analysis) 

• 6+ years' experience in healthcare or health insurance 

• 4+ years' experience underwriting fully insured and self-insured cases 

• 4+ years' experience with stop loss placement, negotiation, pricing or underwriting 

• Sophisticated skills with analytical, spreadsheet and database tools – Excel, Tableau - SQL is a plus 

• Knowledge of health care, preferably in the context of claims, reimbursement and risks 

• Ability to prioritize and organize own work to meet deadlines 

• Excellent verbal and written communication skills including the ability to clearly communicate and understand complex or technical information 

• Mastery of Microsoft Office tools – PowerPoint, Word, etc. 

Skills & Interpersonal Behaviors and/or Leadership Skills:   

• Strong interpersonal skills, establishing rapport and working well with others   

• Client-orientation   

• Prior experience in a leadership or mentoring capacity within an underwriting or healthcare finance team. 

Preferred Qualifications:  

• Advanced education, either Master’s in Public Health, health underwriting certification  

Work Location: 

• This position is remote 

Who we are:

Centivo is an innovative health plan for self-funded employers on a mission to bring affordable, high-quality healthcare to the millions who struggle to pay their healthcare bills. Anchored around a primary care based ACO model, Centivo saves employers 15 to 30 percent compared to traditional insurance carriers. Employees also realize significant savings through our free primary care (including virtual), predictable copay and no-deductible benefit plan design. Centivo works with employers ranging in size from 51 employees to Fortune 500 companies. For more information, visit centivo.com.

Headquartered in Buffalo, NY with offices in New York City and Buffalo, Centivo is backed by leading healthcare and technology investors, including a recent round of investment from Morgan Health, a business unit of JPMorgan Chase & Co.