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Health Insurance Underwriter Jobs in Texas (NOW HIRING)

HUB

Underwriter Associate

Garland, TX

$19 - $28/hr

... health/dental/vision/life/disability insurance, FSA, HSA and 401(k) accounts, paid-time-off ... Department Underwriting Required Experience: 5-7 years of relevant experience Required Travel: No ...

Chubb

AVP, Executive Underwriter

Houston, TX · Hybrid

As an underwriting member of the CHUBB Westchester Specialty Casualty Division, this position will ... health insurance, reinsurance, and life insurance to a diverse group of clients. The company is ...

Chubb

AVP, Executive Underwriter

Houston, TX · Hybrid

As an underwriting member of the CHUBB Westchester Specialty Casualty Division, this position will ... health insurance, reinsurance, and life insurance to a diverse group of clients. The company is ...

Hippo Insurance

Property Underwriter

Austin, TX

Property Underwriter Location: Austin, TX, Dallas, TX (Hybrid/Flexible) Reporting to: Senior ... insurance, Flexible Spending Accounts (FSA) for health and dependent care, and an Employee ...

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Health Insurance Underwriter information

See Texas salary details

$30.3K

$73.5K

$130K

How much do health insurance underwriter jobs pay per year?

As of Aug 28, 2026, the average yearly pay for health insurance underwriter in Texas is $73,487.00, according to ZipRecruiter salary data. Most workers in this role earn between $56,800.00 and $81,100.00 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 Texas?

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

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

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

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

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

Health Insurance Underwriter jobs near you
Infographic showing various Health Insurance Underwriter job openings in Texas as of August 2026, with employment types broken down into 2% As Needed, 79% Full Time, 14% Part Time, and 5% Contract. Highlights an 95% Physical, 1% Hybrid, and 4% Remote job distribution, with an average salary of $73,487 per year, or $35.3 per hour.

Lead Property & Casualty Insurance Underwriter (Property Focus)

Nexpoint

Dallas, TX • On-site

Full-time

Medical, Retirement

Re-posted 18 days ago

Job description

Description:

NexPoint is a multibillion-dollar alternative investment firm based in Dallas, Texas. The firm is structured around three major business areas: real estate, corporate credit and equities, and insurance solutions. NexPoint’s businesses span asset classes, industries, and strategies, providing the flexibility to invest across capital structures and market environments. Serving a diverse client base, NexPoint’s investment strategies are offered in a range of vehicles and fund structures, including mutual funds, public and private REITs, tax-advantaged vehicles, private funds, and separate accounts. For more information visit nexpoint.com.


Summary

We are seeking an experienced Lead Property & Casualty Insurance Underwriter (Property Focus) to join an affiliate startup P&C insurance company and play a key role in building and scaling its property underwriting platform.


This individual will serve as a carrier-side underwriting lead, responsible for evaluating, selecting, pricing, and issuing property insurance policies to insureds, including affiliated real estate platforms and select third-party clients. The role is focused on underwriting discipline and portfolio management—not insurance placement—working alongside affiliated real estate and corporate insurance leadership who retain responsibility for overall insurance placement strategy.


This is a senior, hands-on role for a property insurance professional with strong carrier-side underwriting experience who is excited to help build a P&C underwriting operation from the ground up while supporting affiliated real estate businesses as an underwriting counterparty.


Responsibilities

  • Lead property underwriting activities for the affiliated P&C insurance company, including risk evaluation, selection, and pricing
  • Underwrite property insurance risks across affiliated real estate portfolios and select third-party opportunities, considering construction type, occupancy, geography, CAT exposure, loss history, and risk mitigation
  • Apply underwriting judgment to determine coverage terms, limits, deductibles, pricing assumptions, and policy structures
  • Act as the underwriting point of contact for affiliated real estate platforms, providing carrier-side perspective during acquisitions, renovations, and operational changes
  • Partner with brokers, reinsurance partners, and distribution counterparts in support of underwriting decisions and program structures
  • Review and assess submissions and underwriting data to ensure alignment with underwriting appetite and portfolio objectives
  • Develop and maintain underwriting guidelines, risk appetite statements, and authority levels as the platform scales
  • Monitor property insurance market conditions and emerging risks to inform underwriting approach
  • Provide underwriting input on claims, coverage interpretation, and loss trends as needed
  • Support expansion of the platform through controlled third-party underwriting opportunities, consistent with underwriting strategy
Requirements:

Required

  • 8+ years of Property & Casualty insurance experience with a strong emphasis on property underwriting
  • Background with a P&C carrier, Lloyd’s syndicate, MGA, or specialty insurer
  • Demonstrated experience underwriting complex commercial or institutional-quality property risks
  • Strong understanding of underwriting fundamentals, pricing drivers, and policy structures
  • Experience working with brokers and market-facing insurance counterparties
  • Comfortable operating in a build-phase or entrepreneurial insurance environment

Preferred

  • Experience underwriting real estate-focused property portfolios
  • Exposure to multi-state, multi-region, or catastrophe-exposed property risks
  • Professional designation such as CPCU, ACII, or similar


Compensation & Benefits

NexPoint offers a competitive base salary and bonus based on experience and performance. NexPoint offers a generous benefits package that includes an industry leading health insurance plan with no employee premiums or deductibles and a 401(k) plan with employer match. NexPoint’s talented professionals share a passion for excellence, commitment to teamwork, and pride based on the firm’s track record in the alternative investment industry. NexPoint is an Equal Opportunity Employer.