Underwriting Associate

Company Overview

OneHealth is a fast growing company in the Health Insurance and Employee Benefits space. We expect a high level of initiative, performance, execution, and accountability from every member of our team. In return, we offer unmatched opportunities for growth, meaningful bonuses, career advancement, and the chance to help shape the future of a company with real momentum.

We are committed to constant improvement. Our mission is to deliver a best-in-class experience to our partners, brokers, and clients. Our core offering is a premium Major Medical Health Plan that uses the Cigna PPO Network. While we are a Private Health Plan at our core, our competitive edge comes from the technology, marketing, processes, and systems we have built that often exceed what even the largest carriers can offer.

We take pride in being a service first organization. We do not settle for average. In an industry where the bar is often low, we aim to raise it every day. OneHealth is a place where progress is constant and challenges are embraced. It is fast paced and full of opportunity, with fresh problems to solve, new wins to celebrate, and momentum that keeps growing. We are building a company with purpose, and we are building it together.

If you want a job with a paycheck, this is not the place. If you want a career where you can challenge yourself, where your effort is respected, your results are rewarded, and your potential is unlimited, we want to hear from you.

Role Overview

We are seeking a skilled and detail-oriented executive with a strong background in both finance and health underwriting. As the Underwriting Associate, you will be responsible for supporting risk assessment and pricing of health plan applications, particularly for level-funded plans, ensuring accuracy in underwriting and supporting financial operations as needed. This role requires expertise in level-funded health plans, risk management, and financial oversight.

Key Responsibilities

The Underwriting Associate supports underwriting operations and related processes that contribute to the organization’s growth, profitability, and operational efficiency. This role assists with evaluating underwriting risk, preparing and reviewing level-funded health plan quotes, analyzing census and plan data, and ensuring information is accurate and complete in accordance with established underwriting guidelines and regulatory requirements.

Working collaboratively with underwriting, sales, account management, finance, and other internal teams, the Underwriting Associate helps facilitate the new business process from initial submission through quoting and implementation. This position requires strong analytical skills, attention to detail, and the ability to manage multiple priorities while maintaining the accuracy, integrity, and compliance of underwriting information.

Underwriting Support

• Risk Assessment: Assist with reviewing and evaluating health plan applications and supporting documentation, with a focus on level-funded health plans, to identify relevant risk factors and ensure submissions are complete.
• Quote Preparation: Prepare and process quotes for level-funded health plans in accordance with established pricing guidelines, underwriting criteria, and internal procedures.
• Data Analysis: Review and analyze demographic information, census data, claims history, plan designs, and other relevant data to support underwriting evaluations and premium calculations.
• Compliance: Follow established underwriting procedures, regulatory requirements, and company policies to support accurate and compliant underwriting practices.
• Collaboration: Work closely with underwriting, sales, account management, and new business teams to support the quoting process and timely movement of new business opportunities.
• Underwriting Support: Assist with evaluating coverage options, rates, and terms based on established underwriting guidelines, escalating exceptions or higher-risk cases to the appropriate underwriter or manager for review.
• Underwriting Communication & Follow-Up: Proactively communicate underwriting updates, outstanding requirements, and information requests to internal teams and relevant individuals . Follow up on pending items in a timely manner, provide clear status updates, and help ensure underwriting requests move through the process efficiently.
• Documentation: Maintain accurate and organized records of underwriting submissions, supporting documentation, quote information, and underwriting activity.
• Market Knowledge: Develop and maintain knowledge of industry trends, regulations, underwriting practices, and level-funded health plan products.

Required Qualifications

• Bachelor’s degree in Business, Finance, Economics, Mathematics, Actuarial Science, Risk Management, Healthcare Administration, or a related field
• 1–3 years of experience in underwriting, health insurance, employee benefits, financial analysis, risk analysis, or a related analytical role preferred.
• Strong organizational and time-management skills with the ability to manage multiple priorities, submissions, and deadlines.
• Exceptional attention to detail and commitment to accuracy when reviewing data, documentation, and underwriting information.
• Strong analytical and problem-solving skills with the ability to review and interpret data effectively.
• Strong written and verbal communication skills.
• Ability to work effectively across multiple departments and collaborate with employees at different levels of the organization.
• Ability to handle confidential and sensitive business, financial, and client information with discretion.
• Ability to learn and effectively utilize underwriting, quoting, and benefits administration systems.
• Strong follow-through and ability to identify missing or inconsistent information and seek clarification when necessary.
• Ability to work independently while recognizing when underwriting questions, exceptions, or concerns should be escalated.

Skills & Attributes

• Analytical Thinking-Reviews census, claims, demographic, and plan data; identifies inconsistencies or potential risk factors; and recognizes when information requires additional underwriting review.
• Accuracy & Attention to Detail-Carefully reviews applications, quotes, rates, and supporting documentation to ensure underwriting information is complete, accurate, and consistent.
• Underwriting Process Execution-Follows established underwriting guidelines, quoting procedures, and workflows while maintaining accurate and organized documentation throughout the process.
• Planning & Prioritization-Manages multiple underwriting submissions and quoting requests, meets established turnaround times, and proactively follows up on missing information or outstanding items.
• Technology Aptitude-Learns and effectively utilizes underwriting, quoting, and benefits administration platforms to accurately process submissions, analyze information, and prepare quotes.
• Judgment & Escalation-Recognizes unusual risk factors, incomplete information, or exceptions to established guidelines and appropriately escalates cases for additional underwriting review.
• Cross-Functional Collaboration-Works effectively with underwriting, sales, new business, and account management teams to gather information, resolve questions, and support the timely completion of quotes.
• Integrity & Accountability-Handles sensitive underwriting and client information responsibly, communicates accurately and transparently, follows through on commitments, and takes ownership of the quality and accuracy of assigned work.

Personal Traits

• Reliable, accountable, and consistent in execution
• Calm, methodical, and structured under pressure
• Self motivated with strong ownership mentality
• Problem-solver who is comfortable taking initiative and ownership
• Proud to support a high standard of professionalism, accuracy, and operational excellence
• Ability to assess risk objectively

Compensation & Benefits

• Base salary: $55,000- $65,000 annually
• Annual performance based bonuses
• Full-time employment with a comprehensive benefits package including health, dental, vision, and 401(k)
• Paid time off and professional development opportunities

Why Join Us?

• Work closely with leadership to strengthen underwriting and business operations and internal infrastructure
• Be part of a company that values accountability, precision, and high standards
• Grow with an organization that rewards strong performance and operational excellence

Pay: $55,000.00 - $65,000.00 per year

Benefits:

• 401(k)
• Dental insurance
• Health insurance
• On-site gym
• Paid time off
• Vision insurance

Work Location: In person