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Health Insurance Underwriter Jobs (NOW HIRING)

Underwriter

Doral, FL · On-site +1

$10K/mo

Talroo - Health Plan, Healthcare, MCO, Managed Care, Health Plan, Health Insurance, Underwriting, Underwriter, large group Benefits: Caring For Your Family and Your Career • Medical, Dental, Vision ...

Underwriter

Doral, FL · On-site +1

Talroo - Health Plan, Healthcare, MCO, Managed Care, Health Plan, Health Insurance, Underwriting, Underwriter, large group Benefits: Caring For Your Family and Your Career • Medical, Dental, Vision ...

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 ...

This position is ideal for candidates with 1-3 years of experience in health insurance underwriting, benefits administration, or related analytical roles who are ready to take on full underwriting ...

Senior Underwriter, Accident & Health

Carmel, IN · On-site

$98K - $116K/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 ...

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 ...

The Endorsement Underwriter is a critical technical role within our Underwriting Center ... health insurance, reinsurance, and life insurance to a diverse group of clients. The company is ...

Showing results 41-60

Health Insurance Underwriter information

See salary details

$32.5K

$78.9K

$139.5K

How much do health insurance underwriter jobs pay per year?

As of Aug 16, 2026, the average yearly pay for health insurance underwriter in the United States is $78,878.00, according to ZipRecruiter salary data. Most workers in this role earn between $61,000.00 and $87,000.00 per year, depending on experience, location, and employer.

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.

Is underwriting in insurance a good career?

Health insurance underwriters evaluate risk and determine policy terms, making it a stable career with opportunities for advancement. The role requires analytical skills, attention to detail, and often involves working with specialized software; certifications like the Chartered Property Casualty Underwriter (CPCU) can enhance prospects.

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.

How do you become a health insurance underwriter?

To become a health insurance underwriter, candidates typically need a bachelor's degree in fields like finance, economics, or healthcare. Gaining experience in insurance or risk assessment and obtaining professional certifications such as the Chartered Property Casualty Underwriter (CPCU) can improve job prospects. Strong analytical skills and knowledge of insurance policies are essential for success in this role.
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What cities are hiring for Health Insurance Underwriter jobs?

Cities with the most Health Insurance Underwriter job openings:

Who are the top companies hiring for Health Insurance Underwriter jobs?

The top employers for Health Insurance Underwriter jobs are:

What states have the most Health Insurance Underwriter jobs?

States with the most job openings for Health Insurance Underwriter jobs include:

Infographic showing various Health Insurance Underwriter job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 78% Full Time, 16% Part Time, and 5% Contract. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.

Underwriter Senior- Commercial Lines

Sentry Insurance

Cincinnati, OH • On-site

$95K - $112K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 20 days ago


Sentry Insurance rating

8.7

Company rating: 8.7 out of 10

Based on 46 frontline employees who took The Breakroom Quiz

70th of 308 rated insurance


Job description

At Sentry, our business is built around people. And we pride ourselves on the promise to deliver efficient and effective services. We are currently seeking a result driven individual to fulfill a critical part in underwriting of policies. As one of our premier Underwriters, you’ll be part of a team that stimulates production through independent agencies and then reviews insurance applications and evaluates their potential risk to Sentry.

What You’ll Do

Our Underwriters within Sentry’s Regional unit work closely with independent agents to underwrite, price and program individual policies/accounts.

This role will work with our Great Lakes Regional Office, and will transition to a hybrid work schedule sometime in 2025, requiring in-office days in Cincinnati, OH.

This is a great opportunity for an experienced commercial lines insurance underwriter to advance to the next step in their career!

As an Underwriter Senior, you will:

  • Work closely with sales producers to obtain information needed to properly prospect, underwrite and price policies/accounts.
  • Via established procedures, and information collected underwrite the more complex risks. Refers business outside of authority limit.
  • Evaluate established underwriting procedures & guidelines for effectiveness and recommends change.
  • Proactively provide feedback to Sales Teams and Underwriting Management regarding trends and issues within their assigned territory, while recommending solutions.
  • Work closely with other Commercial Lines functions to ensure service and quality objectives are met including rating, general services, audit, safety services, premium accounting, and customer service.
  • Handle the more difficult bond and reinsurance assignments.
  • Demonstrate an understanding of the insurance marketplace and emerging industry issues.
  • May be assigned project work requiring a high level of technical knowledge. May participate in audits or policy construction reviews.
  • May travel to agency/insured to present issues and opportunities that affect efficient services, profit and growth objective, and the promotion of specific insurance products.
  • Train other underwriters, give presentations, and conducts training on Underwriting procedures.
  • Attend sales team meetings to meet and confer with Sales Representatives/Account Managers in pursuing new accounts
  • Perform other job-related duties requiring the same general knowledge, skills, and degree of responsibility commensurate with assigned level.

What it Takes

  • Bachelor’s Degree or equivalent work experience
  • Minimum 2 years of related commercial lines underwriting experience:
  • Previous Commercial Property Casualty insurance underwriting experience
  • Completed or in-process insurance courses such as IIA and/or CPCU preferred
  • Demonstrated knowledge of commercial multi-line product line insurance concepts and terminology
  • Effective analytical, human relations and communication skills
  • Ability to meet limited travel requirements

What You'll Receive

We take great pride in making Forbes’ list of America’s Best Midsize Employers since 2017. A lot of different factors go into that honor, many of which contribute to your job satisfaction. At Sentry, your total rewards go beyond competitive compensation. Below are some benefits and perks that you’ll receive.

  • Sentry is happy to offer flexibility through a scheduled Hybrid work model. Monday and Friday work from home if you choose to, Tuesday through Thursday you’ll work in office.
  • As a Sentry associate, you will have an in-office workspace and materials for your home office. In addition to the laptop, you will receive prior to your start, Sentry will provide equipment for your home office.
  • Meal Subsidy available for associates who report to an office.
  • 401(K) plan with a dollar-for-dollar match on your first eight percent, plus immediate vesting to help strengthen your financial future.
  • Continue your education and career development through Sentry University (SentryU) and utilize our Tuition Reimbursement program
  • Generous Paid-Time Off plan for you to enjoy time out of the office as well as Volunteer-Time off
  • Group Medical, Dental, Vision, Life insurance, Parental leave, and our Health and Wellness benefits to encourage a healthy lifestyle.
  • Well-being and Employee Assistance programs
  • Sentry Foundation gift matching program to encourage charitable giving.

About Sentry

We take great pride in making Forbes’ list of America’s Best Midsize Employers. A lot of different factors go into that honor, many of which contribute to your job satisfaction.

Our bright future is built on a long track record of success. We got our start in 1904 and have been helping businesses succeed and protect their futures ever since. Because of the trust placed in us, we’re one of the largest and financially strongest mutual insurance companies in the United States. We’re rated A+ by A.M. Best, the industry's leading rating authority.

Our headquarters is in Stevens Point, Wisconsin, with offices located throughout the United States. From sales to claims, and information technology to marketing, we enjoy a rewarding and challenging work environment with opportunities for ongoing professional development and growth.

Get ready to own your future at Sentry. Opportunities await!

Talent Acquisition Specialist
Kasha Dombrowski
kasha.dombrowski@sentry.com

Equal Employment Opportunity

Sentry is an Equal Opportunity Employer. It is our policy that there be no discrimination in employment based on race, color, national origin, religion, sex, disability, age, marital status, or sexual orientation.


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