Medical Stop Loss Underwriter

Position: 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 Zone

Please submit resume to: Jennifer.Thompson@gogpac.com and reference: Large Group Medical Stop Loss Underwriter

Jennifer Thompson

Sr. Director - Recruiter

gpac

605-610-3041

Jennifer.Thompson@gogpac.com