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
