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Medical Stop Loss Jobs (NOW HIRING)

Jencap

Senior Underwriter - Medical Stop Loss - Remote

Phoenix, AZ · On-site +1

$97K - $115K/yr

  • Medical

  • Retirement

The Senior Underwriter - Medical Stop Loss is responsible for the evaluation, risk assessment, pricing, and underwriting of stop loss insurance for selffunded employer groups. The ideal candidate ...

Jencap

Senior Underwriter - Medical Stop Loss - Remote

Phoenix, AZ · On-site +1

$97K - $115K/yr

  • Medical

  • Retirement

The Senior Underwriter - Medical Stop Loss is responsible for the evaluation, risk assessment, pricing, and underwriting of stop loss insurance for self-funded employer groups. The ideal candidate ...

Crum & Forster

Claims Examiner, Medical Stop Loss

Scottsdale, AZ · On-site +1

$33 - $45/hr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

The A&H MBU takes a full-spectrum approach to designing and servicing a robust slate of products tailored to needs in Employer Stop Loss, Excess Medical, Life, and Ancillary and Supplemental benefits.

Crum & Forster

Claims Examiner, Medical Stop Loss

Scottsdale, AZ

$33 - $45/hr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

The A&H MBU takes a full-spectrum approach to designing and servicing a robust slate of products tailored to needs in Employer Stop Loss, Excess Medical, Life, and Ancillary and Supplemental benefits.

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Medical Stop Loss information

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$21K

$92.6K

$178K

How much do medical stop loss jobs pay per year?

As of Aug 14, 2026, the average yearly pay for medical stop loss in the United States is $92,555.00, according to ZipRecruiter salary data. Most workers in this role earn between $84,500.00 and $84,500.00 per year, depending on experience, location, and employer.

What is medical stop loss?

Medical stop loss insurance is a type of coverage purchased by employers who self-fund their employee health benefit plans. It protects them from catastrophic or unpredictable high-cost claims by reimbursing the employer when claims exceed a certain dollar amount, known as the stop-loss limit. There are two main types: individual (specific) stop loss, which covers high claims for a single person, and aggregate stop loss, which covers total claims for the group. This insurance helps employers manage financial risk while still offering health benefits to employees.

What is the difference between Medical Stop Loss vs Medical Underwriter?

AspectMedical Stop LossMedical Underwriter
Required credentialsInsurance licenses, industry certificationsInsurance licenses, actuarial certifications
Work environmentInsurance companies, brokers, third-party administratorsInsurance companies, underwriting firms
Employer and industry usageHealth insurance, self-funded plansHealth insurance, risk assessment

Medical Stop Loss professionals focus on protecting self-funded health plans from high claims, while Medical Underwriters assess risk and determine policy terms. Both roles require insurance knowledge and industry certifications, but they serve different functions within the health insurance industry.

What are some common challenges faced by professionals working in medical stop loss, and how can they be managed?

Professionals in Medical Stop Loss often encounter challenges such as keeping up with evolving healthcare regulations, accurately assessing risk from complex claims data, and coordinating with brokers, underwriters, and healthcare providers. Managing these challenges requires staying informed through regular training, leveraging advanced analytics tools, and fostering strong communication with all stakeholders. Additionally, effective collaboration within a multidisciplinary team helps ensure thorough risk evaluation and timely decision-making.

What are the key skills and qualifications needed to thrive as a medical stop loss underwriter, and why are they important?

To thrive as a Medical Stop Loss Underwriter, you need strong analytical skills, deep knowledge of health insurance, and a background in underwriting or actuarial science, often supported by a bachelor’s degree in a related field. Proficiency with risk assessment tools, underwriting software, and data management systems is typically required. Excellent attention to detail, problem-solving abilities, and effective communication with brokers and clients help professionals stand out. These skills ensure accurate risk evaluation and policy pricing, which are critical for maintaining profitability and client satisfaction in the medical stop loss industry.
More about Medical Stop Loss jobs

What cities are hiring for Medical Stop Loss jobs?

Cities with the most Medical Stop Loss job openings:

What states have the most Medical Stop Loss jobs?

States with the most job openings for Medical Stop Loss jobs include:

What job categories do people searching Medical Stop Loss jobs look for?

The top searched job categories for Medical Stop Loss jobs are:

Medical Stop Loss jobs near you
Infographic showing various Medical Stop Loss job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 78% Full Time, 15% Part Time, and 6% Contract. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution, with an average salary of $92,555 per year, or $44.5 per hour.

Senior Underwriter - Medical Stop Loss - Remote

Jencap

Phoenix, AZ • On-site, Remote

$97K - $115K/yr

Full-time

Medical, Retirement

Re-posted 21 hours ago

Job description

About the Company:

Jencap A&H is a leading provider of innovative insurance solutions for self-funded employers and their partners. We are committed to delivering exceptional value, service, and expertise to our clients. As part of our ongoing growth, we are seeking a highly experienced Senior Underwriter specializing in stop loss insurance to join our dynamic team.

The Senior Underwriter - Medical Stop Loss is responsible for the evaluation, risk assessment, pricing, and underwriting of stop loss insurance for selffunded employer groups. The ideal candidate brings strong stop loss market expertise, sound analytical judgment, and the ability to develop trusted relationships with brokers, consultants, TPAs, and internal stakeholders.

This role is ideally suited for candidates located in the Phoenix, AZ area working remotely; however, highly qualified candidates located elsewhere in the U.S. will be considered for a fully remote arrangement.

Key Responsibilities:

  • Underwrite new and renewal stop loss business in accordance with underwriting guidelines, risk appetite, and profitability targets
  • Analyze complex selffunded employer group data, including claims experience, demographics, plan design, and funding structures
  • Partner closely with the Chief Underwriting Officer to develop customized underwriting and pricing solutions
  • Establish and maintain strong relationships with brokers, consultants, TPAs, and clients; participate in finalist presentations and renewal discussions as needed
  • Monitor portfolio performance and support profitable growth initiatives
  • Contribute to underwriting process improvements, product enhancements, and bestpractice initiatives

Qualifications:

  • Bachelor's degree in business, finance, actuarial science, or a related field required; advanced degree or professional designations (e.g., CEBS, FLMI, ASA) preferred
  • 5-10 years of experience underwriting stop loss insurance for selffunded employer groups
  • Strong knowledge of stop loss insurance products, market dynamics, and regulatory requirements
  • Proven ability to make sound risk decisions and contribute to profitable portfolio performance
  • Excellent analytical, quantitative, and problemsolving skills
  • Strong relationshipbuilding, negotiation, and communication abilities
  • Proficiency in underwriting systems, analytics tools, and Microsoft Office Suite
  • Ability to work independently while collaborating effectively in a fastpaced, growthoriented environment

The base salary offered for the successful candidate will be based on compensable factors such as job-relevant education, job-relevant experience, training, licensure, demonstrated competencies, geographic location, and other factors. Discretionary incentive compensation may be awarded. Jencap also offers a range of benefits and programs, based on eligibility, which currently include but are not limited to; comprehensive health care coverage, a 401k plan, and tuition reimbursement.  Jencap is an emerging and rapidly growing leader in the industry and as such, we approach talent acquisition as an opportunity to identify the best talent. Therefore, the level of the role and compensation may vary depending upon the best available candidate. 

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