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Medical Underwriting Jobs (NOW HIRING)

navymutual

Director of Underwriting

Arlington, VA

Medical underwriting and terminology * Mortality risk assessment * Reinsurance practices * Experience leading: * Process improvement and operational transformation * Automation and accelerated ...

Elevance Health

Group Underwriting Consultant

Tampa, FL · On-site

$93K - $153K/yr

Determines and provides guidance to medical underwriters concerning the risk selection of applicants applying for individual health coverage. * Coordinates with other departments to ensure accuracy ...

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Medical Underwriting information

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How much do medical underwriting jobs pay per hour?

As of Jul 23, 2026, the average hourly pay for medical underwriting in the United States is $40.70, according to ZipRecruiter salary data. Most workers in this role earn between $38.70 and $42.55 per hour, depending on experience, location, and employer.

What is the difference between Medical Underwriting vs Medical Claims Adjuster?

AspectMedical UnderwritingMedical Claims Adjuster
Required CredentialsLicenses, certifications in insurance and health assessmentsLicenses, insurance adjuster certifications
Work EnvironmentOffice-based, analyzing health data and applicationsOffice or field, investigating claims and assessing damages
Industry UsageInsurance companies, health plansInsurance companies, third-party administrators
Primary FocusAssessing risk and determining policy eligibilityEvaluating claims for coverage and settlement

Medical Underwriting and Medical Claims Adjuster both work within the insurance industry but focus on different stages. Medical Underwriters evaluate applicants' health data to determine policy eligibility, while Medical Claims Adjusters review and settle claims after coverage is in place. Understanding these roles helps clarify career paths and employer expectations in health insurance.

What are the key skills and qualifications needed to thrive as a Medical Underwriter, and why are they important?

To thrive as a Medical Underwriter, you need a solid understanding of medical terminology, risk assessment, and insurance principles, usually supported by a degree in a healthcare or related field. Familiarity with underwriting software, databases, and sometimes certifications like LOMA or ALU are typically required. Strong analytical thinking, attention to detail, and effective communication skills help you make sound decisions and explain complex findings. These abilities ensure accurate risk evaluation, regulatory compliance, and clear collaboration with clients and colleagues.

What are some common challenges faced by medical underwriters, and how can they be addressed?

Medical underwriters often encounter challenges such as interpreting complex medical histories, staying updated with evolving healthcare regulations, and balancing risk assessment with customer service. To address these, underwriters typically undergo continuous training, collaborate closely with medical professionals and other underwriting team members, and make use of advanced software tools to support decision-making. Developing strong analytical skills and clear communication is essential for efficiently navigating these challenges and ensuring accurate risk evaluation.

What is medical underwriting?

Medical underwriting is the process insurance companies use to evaluate an applicant's health information to determine eligibility and pricing for health or life insurance policies. It involves reviewing medical history, current health status, and sometimes requiring medical exams or reports. The goal is to assess the risk associated with insuring an individual, which can affect whether coverage is offered and at what premium rate. This process helps insurers set fair prices and manage risk within their insurance pool.

How do you become a medical underwriter?

To become a medical underwriter, candidates typically need a bachelor's degree in health sciences, insurance, or a related field. Relevant skills include knowledge of medical terminology, risk assessment, and proficiency with underwriting software; obtaining industry certifications such as the Chartered Life Underwriter (CLU) can also enhance job prospects.

What do underwriters do in healthcare?

Healthcare underwriters assess insurance applications by evaluating applicants' medical histories, health risks, and lifestyle factors to determine coverage eligibility and premium rates. They analyze medical records, use underwriting guidelines, and often work with healthcare providers to ensure accurate risk assessment, supporting the insurance company's financial stability.

What is the work of medical underwriting?

Medical underwriting is the process used by insurance companies to evaluate an applicant's health information to determine risk and eligibility for coverage. It involves reviewing medical histories, health assessments, and sometimes conducting additional tests to assess insurability and set appropriate premiums. Underwriters use specialized knowledge and tools to make informed decisions about policy issuance and pricing.

Is medical underwriting still a thing?

Medical underwriting remains a key process in the insurance industry, including for roles like medical underwriters, who assess applicants' health risks to determine coverage and premiums. While some policies now use simplified or guaranteed issue approaches, traditional medical underwriting is still widely used, especially for high-value or long-term policies, requiring knowledge of medical records and risk assessment tools.
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Medical Underwriting jobs near you
Infographic showing various Medical Underwriting job openings in the United States as of July 2026, with employment types broken down into 1% As Needed, 78% Full Time, 14% Part Time, and 7% Contract. Highlights an 97% Physical, 1% Hybrid, and 2% Remote job distribution, with an average salary of $84,666 per year, or $40.7 per hour.
Senior Representative, Medical Underwriting Administration

Senior Representative, Medical Underwriting Administration

New York Life Insurance Co

Bethlehem, PA • On-site

$46K - $66K/yr

Full-time

Medical, Life

Posted 29 days ago

Job description

Location Designation: Hybrid - 3 days per week
Group Benefit Solutions (GBS)
Group Benefit Solutions delivers comprehensive insurance and absence management solutions for mid-size and large companies. Our work fosters a healthier, happier and more secure workforce, contributing to New York Life's legacy of being there when we're needed most. Here, you'll design, implement and support these solutions directly impacting customers' lives. At our core, we provide financial security and peace of mind to people through our absence, accident, disability, voluntary benefits and life insurance solutions.
Role Overview:
The Medical Underwriting Administration Senior Representative supports the Medical Underwriting team through the review, processing, and administration of Life and Disability insurance applications. This role is responsible for ensuring the accuracy, completeness, and timely handling of underwriting information while maintaining high standards of quality and customer service. The position requires strong analytical skills, attention to detail, and the ability to manage multiple priorities in a fast-paced environment. The individual will collaborate with internal partners, contribute to operational improvement initiatives, and support the continued growth and effectiveness of the underwriting organization.
What You'll Do:
  • Process Life and Disability insurance applications, ensuring information is complete, accurate, and compliant with established underwriting guidelines and service standards.
  • Review applicant information and medical histories, approve coverage within assigned authority limits, and identify items requiring additional review or follow-up.
  • Research application status inquiries, communicate updates to internal partners, and provide timely resolution to operational and customer service requests.
  • Manage multiple work queues and priority cases while maintaining productivity, quality, and accuracy standards in a fast-paced environment.
  • Participate in audits, reporting, client transitions, process improvement initiatives, and special projects that enhance underwriting operations and team effectiveness.

What You'll Bring:
Required Skills:
  • High school diploma or GED required; equivalent business experience considered.
  • Strong analytical, organizational, and problem-solving skills with exceptional attention to detail.
  • Excellent written and verbal communication skills with the ability to interact effectively with internal stakeholders.
  • Strong computer proficiency, including experience with data entry, document processing, spreadsheets, and business systems.
  • Ability to manage multiple priorities, adapt to changing procedures, and perform effectively under deadlines.
  • Demonstrated commitment to teamwork, customer service, continuous learning, and professional development.

Preferred Skills:
  • Bachelor's degree or equivalent higher education experience.
  • Prior experience in group insurance, life insurance, disability insurance, underwriting administration, or insurance operations.
  • Knowledge of medical terminology, anatomy, physiology, and common medical conditions.
  • Experience identifying process improvement opportunities and contributing to operational efficiency initiatives.

Pay Transparency
Salary Range: $46,500-$66,500
Overtime eligible: Nonexempt
Discretionary bonus eligible: Yes
Sales bonus eligible: No
Actual base salary will be determined based on several factors but not limited to individual's experience, skills, qualifications, and job location. Additionally, employees are eligible for an annual discretionary bonus. In addition to base salary, employees may also be eligible to participate in an incentive program.
Company Overview
At New York Life, our 180-year legacy of purpose and integrity fuels our future. As we evolve into a more technology-, data-, and AI-enabled organization, we remain grounded in the values that drive lasting impact.
Our diverse business portfolio creates opportunities to make a difference across industries and communities-inviting bold thinking, collaborative problem-solving, and purpose-driven innovation. Here, you'll find the rare balance of long-standing stability and forward momentum, supported by an inclusive team that honors tradition while embracing progress.
As a Fortune 100 mutual company, we offer a place to grow your skills, contribute to meaningful work, and deliver solutions that matter. Your ideas drive what's next, and your growth powers it.
Our Benefits
We provide a full package of benefits for employees - and have unique offerings for a modern workforce, including leave programs, adoption assistance, and student loan repayment programs. Based on feedback from our employees, we continue to refine and add benefits to our offering, so that you can flourish both inside and outside of work.Click hereto discover more about our comprehensive benefit options or visit our NYL Benefits Site.
Our Commitment to Inclusion
At New York Life, fostering an inclusive workplace is fundamental to who we are and how we serve our communities. We have a longstanding commitment to creating an environment where individuals can contribute their best and succeed together. This foundation is rooted in our core values of humanity and integrity, ensuring that every employee feels valued and supported. By embracing a broad range of perspectives and experiences, we achieve greater success and fulfill our promise of providing financial security and peace of mind to families across all communities. Click here to learn more about New York Life's leadership in this space.
Recognized as one of Fortune's World's Most Admired Companies, New York Life is committed to improving local communities through a culture of employee giving and volunteerism, supported by the Foundation. We're proud that due to our mutuality, we operate in the best interests of our policy owners. To learn more about career opportunities at New York Life, please visit the Careers page of www.NewYorkLife.com.
Visit our LinkedIn to see how our employees and agents are leading the industry and impacting communities.
Visit our Newsroom to learn more about how our company is constantly evolving to meet our clients' and employees' needs.
Job Requisition ID: 94286
About NY Life Insurance Company
Diversity & Humanity-two values that are deeply rooted in the New York Life culture and have laid the foundation for over 175 years of commitment to our employees, agents, policy owners, and the communities where we live and work. At New York Life you become a valued part of a welcoming, inclusive, and caring culture that has a long-standing legacy in stability and growth. The strength of New York Life revolves around our diversified, multi-dimensional business portfolio that goes beyond life insurance, and we want you to be a part of our legacy.
As a Fortune 100 company and industry leader, we provide an environment where you can explore your career ambitions, offering opportunities to tackle meaningful challenges and stretch your skills while balancing work and life priorities. You will be part of a diverse team guided by our belief to always be there for each other-providing the support and flexibility to grow and reach new heights while making an impact in the lives of others.
You are our future, and we commit to investing in you accordingly.
Visit our Linkedin to see how our employees and agents are leading the industry and impacting communities.
Visit our Newsroom to learn more about how our company is constantly evolving to meet our clients' and employees' needs.
Required Legal Notices - All Candidates Please Click Here

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