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Health Insurance Underwriter Jobs in Rochester, NY

Five Star Bank

Indirect Loan Processor

Rochester, NY · On-site

$18 - $22/hr

... for Underwriter review. * Reviews documentation to ensure that loans follow established bank ... Medical, Dental, and Vision Insurance * Health Savings Account * Flexible Spending Account(s)

Five Star Bank

Indirect Loan Processor

Rochester, NY · On-site

$18 - $22/hr

... for Underwriter review. * Reviews documentation to ensure that loans follow established bank ... Medical, Dental, and Vision Insurance * Health Savings Account * Flexible Spending Account(s)

Lthc

Medicare Sales Advocate I

Rochester, NY · Remote

NYS Life, Accident and Health Insurance License required or secured within 60 days of hire. (3 ... Ability to interpret and make decisions based on prospective member needs, corporate underwriting ...

Lthc

Medicare Sales Advocate I

Rochester, NY · Remote

NYS Life, Accident and Health Insurance License required or secured within 60 days of hire. (3 ... Ability to interpret and make decisions based on prospective member needs, corporate underwriting ...

Lthc

Medicare Sales Advocate I

Rochester, NY · Remote

NYS Life, Accident and Health Insurance License required or secured within 60 days of hire. (3 ... Ability to interpret and make decisions based on prospective member needs, corporate underwriting ...

Paychex

PEO Benefits Account Manager

Rochester, NY · On-site

$24.55 - $33.22/hr

Initiates calls to client to assess underwriting exposures prior to policy renewal. * Provides ... Insurance industry, Sales or Customer Service. * Life Accident and Health license Life, Accident ...

Paychex

PEO Benefits Account Manager

Rochester, NY · Remote

$24.55 - $33.22/hr

Initiates calls to client to assess underwriting exposures prior to policy renewal. * Provides ... Insurance industry, Sales or Customer Service. * Life Accident and Health license Life, Accident ...

Stewart

Title Processing Support Specialist I

Rochester, NY · On-site

$33K - $55K/yr

... insurance, settlement, underwriting, and lender services through our family of companies. To learn ... health and wellness insurance options and programs, paid time off, 401(k) with company match ...

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All JobsHealth Insurance Underwriter JobsHealth Insurance Underwriter Jobs in Rochester, NY

Health Insurance Underwriter information

See Rochester, NY salary details

$32.1K

$77.8K

$137.6K

How much do health insurance underwriter jobs pay per year?

As of Aug 21, 2026, the average yearly pay for health insurance underwriter in Rochester, NY is $77,827.00, according to ZipRecruiter salary data. Most workers in this role earn between $60,200.00 and $85,800.00 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 Rochester, NY?

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

What job categories do people searching Health Insurance Underwriter jobs in Rochester, NY look for?

The top searched job categories for Health Insurance Underwriter jobs in Rochester, NY are:

What cities near Rochester, NY are hiring for Health Insurance Underwriter jobs?

Cities near Rochester, NY with the most Health Insurance Underwriter job openings:

Health Insurance Underwriter jobs near you
Infographic showing various Health Insurance Underwriter job openings in Rochester, NY as of August 2026, with employment types broken down into 2% As Needed, 74% Full Time, 17% Part Time, and 7% Contract. Highlights an 95% Physical, 1% Hybrid, and 4% Remote job distribution, with an average salary of $77,827 per year, or $37.4 per hour.

Agency Business Development Program Manager (Health & Benefits)

Paychex

Rochester, NY • On-site

$81K - $128K/yr

Full-time

Medical, Retirement, PTO

Re-posted 2 days ago

Paychex rating

7.3

Company rating: 7.3 out of 10

Based on 176 frontline employees who took The Breakroom Quiz

237th of 495 rated business services

Job description

Paychex is reimagining how businesses manage their workforce by bringing payroll, HR, benefits, and advisory services together into a single connected HCM platform. As Paychex and Paycor come together, we're combining innovative technology, data-driven insights, AI, and human expertise to help organizations work smarter, support their people, and achieve better business outcomes. This is an exciting time to join our team as we continue to invest in innovation, simplify client experiences, and shape the future of work. At Paychex, you'll have the opportunity to grow your career, make a meaningful impact, and be part of something bigger as One Paychex.
Overview
Independently develops, cultivates and coordinates carrier, internal and external partner relationships across all product lines. Reviews, analyzes and evaluates Agency relationships, markets and programs in support of overall business strategies. Handles special projects, product and carrier/partners analysis and reporting.
Responsibilities
  • Acts as a primary representative of Paychex Insurance Agency (PIA) with Health and Benefits (H&B) carriers, general agents and third-party administrators in developing and managing partner relationships to problem solve, support and build positive relationships.
  • Proactively work with carriers and partners to address potential market, industry, regulatory and sales issues.
  • Acts as a point of contact for PIA Field Sales, Operations and management; oversees all daily interactions relating to carriers / partners to ensure consistent communication of program information and effective issue resolution.
  • Provides initiative and leadership in carrier and product reviews, compensation discussions, and product and relationship development.
  • Once targeted business concerns are identified by management this role coordinates execution of market initiatives with carriers and business partners to maximize the impact on partner sales volume.
  • Provides feedback and recommendations to Business Development Manager in respects to all aspects of carrier relationships, plans and programs in order to improve sales productivity and revenue.
  • Analyzes program and partner results on a continuous basis to determine best courses of action and geographic areas of focus in order to maximize impact on the sales productivity, revenue and efficiencies.
  • Demonstrates and maintains current knowledge of industry trends, practices and product knowledge.
  • Works with a sense of urgency and exhibits continuous improvement mindset.
  • Other duties as assigned to support the general purpose of the position's function.

Qualifications
  • Bachelor's Degree - Preferred
  • 8+ years in insurance, sales, or business development
  • Experience managing relationships with H&B and/or P&C carriers, general agents, or TPAs - Required
  • Active Life & Health insurance license, or ability to obtain within 90 days of hire - Preferred
  • Carrier Relationship Management - Preferred
  • Underwriting and Renewal Negotiation - Preferred
  • Business Development - Preferred
  • Sales Prospecting - Preferred
  • Cold Calling - Preferred
  • Business-to-Business (B2B) - Preferred
  • Customer Relationship Management - Preferred
  • Salesforce - Preferred
  • Management - Preferred
  • Communication - Preferred
  • Microsoft Office / Excel - Preferred
  • ACA, ERISA, and HIPAA compliance knowledge - Preferred

Compensation
In the spirit of pay transparency, we are excited to share that the starting base pay range for this position is USD $81,518.18/Yr - $128,100.00/Yr lease keep in mind that this range is the base pay only and does not consider other components that make up the total rewards package for the position. If you are hired at Paychex, your overall compensation will be determined based on factors such as geographic location, skills, education, and/or experience which may result in total compensation outside of this range.
Live the Paychex Values
  • Act with uncompromising integrity.
  • Provide outstanding service and build trusted relationships.
  • Drive innovation in our products and services and continually improve our processes.
  • Work in partnership and support each other.
  • Be personally accountable and deliver on commitments.
  • Treat each other with respect and dignity.

    • What's in it for you?
    • We value your well-being: We provide over 21 comprehensive rewards, including medical coverage, virtual wellness classes, tuition reimbursement, 401(k) + employer match, adoption assistance, financial assistance, and much more.
    • We value your time: From paid time off to company holidays, culture days, and comprehensive work-life balance programs, we will ensure you have the flexibility you need to be your best.
    • We value your development: Our award-winning training and development programs empower our employees with ongoing learning opportunities to give you the building blocks to grow your career.
    • We value your perspective: Our company culture reflects the diversity of our employees. We want you to be you and your voice to be heard.
    • We value our communities: We offer paid time off for volunteerism and promote many company-wide and local initiatives that benefit organizations you care about.

      • Note: The benefits described apply to full-time employees. Benefits for part-time, contract, and intern roles may vary.
      Not sure if you meet every requirement?
      At Paychex, we know that great talent comes in many forms. If you're passionate about the role but don't check every box, we still encourage you to apply. You might be the right fit - either for this position or another opportunity with us.
      Paychex is an equal opportunity employer. We are committed to fostering a respectful and inclusive workplace where all individuals are treated fairly and evaluated based on their qualifications, experience, and merit. We comply with all applicable federal, state, and local laws prohibiting discrimination in employment.

    What Paychex employees say

    Pay

    Benefits

    Hours and flexibility

    Workplace

    Get the full story on Breakroom

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    About Paychex

    Sourced by ZipRecruiter

    Consult with America's businesses, leveraging Paychex key referral channels and partnerships to educate stakeholders on our services, and provide consultative solutions to increase market share and drive revenue.

    Industry

    Human resources consulting services

    Company size

    10,000+ Employees

    Headquarters location

    Rochester, NY, US

    Year founded

    1971

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