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Health Insurance Underwriter Jobs in Minnesota (NOW HIRING)

ECLARO

Group Insurance Underwriter

Minneapolis, MN · On-site

... health experience preferred. Profile Description * Evaluate risk for group insurance products ... Coordinate underwriting activities on proposals, new cases, renewals, and amendments. Ensure that ...

Tmhcc

Senior Underwriter, Accident & Health

Minnetonka, MN · On-site

$100K - $118K/yr

As a global leader in specialty travel medical and trip protection insurance, we are passionate ... The Senior Accident & Health Underwriter is responsible for reviewing and analyzing underwriting ...

Imedica

Senior Underwriter

Minnetonka, MN · On-site

$70K - $120K/yr

Maintain knowledge of underwriting practices, competitive market trends, and regulatory considerations impacting commercial health insurance. * Contribute to team initiatives, process improvements ...

ProspectBlue

Underwriter

Minneapolis, MN · Hybrid

Experience in group insurance underwriting, stop loss underwriting, supplemental health, voluntary benefits, or a related insurance discipline. Strong analytical and quantitative skills with the ...

TALENT Software Services

Be Seen First

Healthcare Underwriter

Minneapolis, MN · On-site

$39 - $55/hr

Independently underwrites more difficult and complex group insurance applications; approval ... health experience preferred.

Chubb

Senior Underwriter, Surety

Minnetonka, MN · On-site

$100K - $118K/yr

The Senior Surety Underwriter's primary responsibility is to underwrite individual surety risks ... health insurance, reinsurance, and life insurance to a diverse group of clients. The company is ...

NACBA

Senior Underwriter, Surety

Minneapolis, MN · On-site

$85 - $130/hr

The Senior Surety Underwriter's primary responsibility is to underwrite individual surety risks ... health insurance, reinsurance, and life insurance to a diverse group of clients. The company is ...

Chubb

Senior Underwriter, Surety

Minnetonka, MN · On-site

$100K - $118K/yr

... health insurance, reinsurance, and life insurance to a diverse group of clients. The company is ... Knowledge of underwriting concepts, practices, and procedures * Strong organization skills

Vertical Insure

Program Underwriter

Minneapolis, MN · On-site

$80 - $110/hr

Program Underwriter Vertical Insure Minneapolis, Minnesota, United States About this position About ... We offer a comprehensive benefits package, including health, dental, life insurance, flexible PTO ...

New

Vertical Insure, Inc.

Program Underwriter

Minneapolis, MN · On-site

$80 - $110/hr

Vertical Insure is looking for a motivated and detail-oriented Program Underwriter to help manage ... We offer a comprehensive benefits package, including health, dental, life insurance, flexible PTO ...

New

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All JobsHealth Insurance Underwriter JobsHealth Insurance Underwriter Jobs in Minnesota

Health Insurance Underwriter information

See Minnesota salary details

$31.8K

$77.3K

$136.6K

How much do health insurance underwriter jobs pay per year?

As of Sep 2, 2026, the average yearly pay for health insurance underwriter in Minnesota is $77,254.00, according to ZipRecruiter salary data. Most workers in this role earn between $59,700.00 and $85,200.00 per year, depending on experience, location, and employer.

What does a health insurance underwriter do?

A Health Insurance Underwriter is responsible for evaluating the risks associated with insuring individuals or groups and determining the terms and premiums for health insurance coverage. They review applications, assess medical histories, and use statistical data to decide whether to approve or deny coverage. Their goal is to ensure that the insurance company maintains a balanced risk portfolio while offering fair and competitive rates to policyholders. Health insurance underwriters play a crucial role in protecting the financial stability of insurance companies and providing appropriate coverage to customers.

What are the key skills and qualifications needed to thrive as a health insurance underwriter?

To thrive as a Health Insurance Underwriter, you need strong analytical skills, attention to detail, and a solid understanding of insurance principles, typically supported by a bachelor’s degree in business, finance, or a related field. Proficiency with underwriting software, risk assessment tools, and knowledge of industry regulations is essential, and certifications such as the Chartered Property Casualty Underwriter (CPCU) can be advantageous. Effective communication, critical thinking, and decision-making skills help underwriters explain decisions and work collaboratively with clients and colleagues. These competencies are vital for accurately assessing risk, ensuring regulatory compliance, and maintaining the financial health of the insurance provider.

What are some typical challenges health insurance underwriters face when assessing applications, and how can they overcome them?

Health Insurance Underwriters often encounter challenges such as evaluating incomplete or complex medical histories, staying current with changing regulations, and balancing risk assessment with competitive pricing. To overcome these challenges, underwriters rely on strong analytical skills, continuous training, and close collaboration with medical professionals and actuaries. Leveraging advanced software tools and maintaining clear communication with agents and applicants also helps ensure accurate and fair decision-making.

What is the difference between Health Insurance Underwriter vs Health Insurance Claims Adjuster?

AspectHealth Insurance UnderwriterHealth Insurance Claims Adjuster
Primary RoleAssess risk and determine policy eligibility and premiumsEvaluate insurance claims to determine coverage and payout
Required CredentialsTypically requires a bachelor's degree; certifications like CPCU or ARM are commonHigh school diploma or equivalent; certifications like AIC or CPCU are beneficial
Work EnvironmentOffice-based, working with underwriting software and risk dataOffice or remote, reviewing claims and interacting with policyholders
Industry UsageCommonly employed by insurance companies during policy issuanceEmployed by insurance companies or third-party administrators during claims processing

While both roles are integral to the insurance industry, health insurance underwriters focus on evaluating risks before issuing policies, whereas health insurance claims adjusters handle claims after coverage is in place. Understanding these differences helps job seekers identify the right career path within health insurance.

How do you become a health insurance underwriter?

To become a health insurance underwriter, candidates typically need a bachelor's degree in finance, economics, or a related field. Gaining experience in insurance or risk assessment, along with developing skills in data analysis and understanding insurance policies, is important. Professional certifications such as the Chartered Property Casualty Underwriter (CPCU) can enhance job prospects.

What are popular job titles related to Health Insurance Underwriter jobs in Minnesota?

For Health Insurance Underwriter jobs in Minnesota, the most frequently searched job titles are:

What job categories do people searching Health Insurance Underwriter jobs in Minnesota look for?

The top searched job categories for Health Insurance Underwriter jobs in Minnesota are:

What cities in Minnesota are hiring for Health Insurance Underwriter jobs?

Cities in Minnesota with the most Health Insurance Underwriter job openings:

Health Insurance Underwriter jobs near you
Infographic showing various Health Insurance Underwriter job openings in Minnesota as of August 2026, with employment types broken down into 100% Full Time. Highlights an 67% In-person, and 33% Hybrid job distribution, with an average salary of $77,254 per year, or $37.1 per hour.

Group Insurance Underwriter

ECLARO

Minneapolis, MN • On-site

Other

Posted 4 days ago

Job description

Stop Loss/Group Insurance Underwriter

Contract till December 2026 with possible extension

Can be contract to perm to the right candidate


REMINDER: THE RATE FOR THIS ROLE DEPENDS ON THE EXPERIENCE LEVEL!


Profile Summary


Under general supervision underwrites intermediate level group insurance applications within guidelines set for the issuance of policies on a standard or substandard basis. Has authority to approve cases up to 3,000 lives.


Job Description

Contractor to Perm for the right candidate.

Location: Hybrid to Minneapolis, preffered. Must be commutable to site if converting to perm.


Rate based on level of experience.


Client's Employee Benefits division is seeking Stop Loss Underwriters to evaluate employer group medical stop loss submissions and support underwriting decisions for both new business and renewal opportunities. This role analyzes risk and pricing factors, including group demographics, claim experience, large claimant activity, participation, plan design, contract terms, funding arrangements, and overall profitability, while ensuring proposed stop loss coverage aligns with underwriting guidelines and can be effectively administered. The underwriter partners with internal teams, field personnel, brokers, and clients to gather information, communicate decisions, and support competitive, financially sound solutions across the stop loss book of business. Successful candidates bring strong analytical judgment, attention to detail, problem-solving ability, and clear communication skills, with responsibilities and approval authority increasing by level.


Key level differences:

  • Associate Group Underwriter: Entry-level underwriting role working under direct supervision on basic group insurance applications; approval authority up to 1,000 lives; typically requires 0–2 years of underwriting experience.
  • Senior Group Underwriter: Independently underwrites more difficult and complex group insurance applications; approval authority up to 5,000 lives; typically requires 3–4 years of group underwriting or voluntary benefits experience; may provide training and guidance to lower-level underwriters.
  • Lead Group Underwriter: Independently underwrites the most complex cases and provides broader guidance, work direction, training, and quality/performance input; approval authority up to 10,000 lives; typically requires 5–8 years of underwriting experience, with supplemental health experience preferred.


Profile Description

  • Evaluate risk for group insurance products. Analyze data such as financial condition of the client company, characteristics of employee groups, participation percentage, type of industry, or past claim experience to determine benefits and rates. Ensure proper pricing and appropriate funding methods. Coordinate underwriting activities on proposals, new cases, renewals, and amendments. Ensure that the company can administer the client's proposed benefit plan design and funding method. Develop and maintain relationships with field personnel and clients by answering general questions and obtaining information on which to base decisions. Explain and defend underwriting courses of action. Document and communicate decisions to necessary areas in the division. Review cases exceeding underwriter's review level.
  • Contribute to total division profitability by analyzing/assessing client profitability through experience and expense analysis and attention to product line performance.
  • Other duties as assigned.


Skills/Knowledge/Abilities

  • 0-8 years underwriting experience
  • Strong problem-solving and analytical skills
  • PC skills including word processing and spreadsheet applications
  • Excellent written and oral communication skills


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