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Medical Underwriting Jobs (NOW HIRING)

Tokio Marine HCC

Medical Underwriting Assistant

Review all submitted cases for high-risk diagnoses and select those that the Medical Underwriting Nurse should review for assessment of associated risk. * Follow up and maintain all appropriate ...

Rippling

PEO Medical Underwriting Lead

Seattle, WA · On-site

$116K - $194K/yr

This is a pivotal moment for Rippling PEO, and we're hiring our first dedicated in-house Medical Underwriting Lead to meet it. Until now, we've relied on third-party partners to own our underwriting ...

Highmark Health

Senior Medical Underwriter

New York, NY

$107K - $127K/yr

Applies medical review and medical underwriting principles to all New and Pre-Screen Individual, Small Group and Large Group Medically Underwritten product member applications, attending physician ...

Elevance Health

Group Underwriting Consultant

Mason, OH · 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 ...

Elevance Health

Group Underwriting Consultant

Atlanta, GA · 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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How much do medical underwriting jobs pay per hour?

As of Jun 11, 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 like the Chartered Life Underwriter (CLU) can also enhance prospects.

What do underwriters do in healthcare?

Medical underwriters in healthcare assess insurance applications by reviewing medical histories, health data, and risk factors to determine coverage eligibility and premium rates. They analyze medical records, use underwriting guidelines, and often work with healthcare providers to evaluate risk accurately, ensuring the insurer's financial stability.

Is medical underwriting still a thing?

Medical underwriting remains a key process in life insurance and health insurance industries, where it assesses an applicant's health risks to determine coverage eligibility and premiums. While some policies now use simplified or no-medical-exam approaches, traditional medical underwriting is still widely used for comprehensive policies and high-risk cases.

How much do medical underwriters make in the US?

Medical underwriters in the US typically earn a median annual salary of around $70,000 to $85,000, with experienced professionals and those in senior roles earning over $100,000. Salaries can vary based on location, experience, certifications, and the employer's size and industry sector.
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What cities are hiring for Medical Underwriting jobs? Cities with the most Medical Underwriting job openings:
What are the most commonly searched types of Medical Underwriting jobs? The most popular types of Medical Underwriting jobs are:
What states have the most Medical Underwriting jobs? States with the most job openings for Medical Underwriting jobs include:
What job categories do people searching Medical Underwriting jobs look for? The top searched job categories for Medical Underwriting jobs are:
Medical Underwriting jobs near you
Infographic showing various Medical Underwriting job openings in the United States as of June 2026, with employment types broken down into 7% As Needed, 3% Full Time, 60% Part Time, and 30% Contract. Highlights an 95% Physical, 1% Hybrid, and 4% Remote job distribution, with an average salary of $84,666 per year, or $40.7 per hour.
Medical Underwriting Assistant

Medical Underwriting Assistant

Tokio Marine HCC

Remote

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 16 days ago

Job description

Help us insure it
Tokio Marine HCC is a global industry-leading specialty insurance group, backed by the strength and stability of the Tokio Marine Group. Offering over 100 classes of specialty insurance, we empower clients to pursue opportunities confidently through our "Mind Over Risk" philosophy. More than an insurance company, we are an organization built on innovation, unity, and trust.
At our core, we are Always Advancing, driven by innovation and an entrepreneurial spirit that keeps us moving forward. Our people are Experts in Tomorrow, using curiosity and smart working to anticipate what's next. With a culture rooted in Reaching Out, we foster genuine collaboration and support, ensuring every individual has the opportunity to succeed and make a difference.
Role Overview
Under supervision, reviews all specific case diagnoses referred by the Underwriting staff for high-risk diagnosis coding and refers these cases to the Medical Underwriting Nurse.
Key Responsibilities
  • Receive, log, and tracks all specific case diagnoses referred by Underwriting staff and ensure all cases are reviewed in appropriate priority order.
  • Review all submitted cases for high-risk diagnoses and select those that the Medical Underwriting Nurse should review for assessment of associated risk.
  • Follow up and maintain all appropriate documentation.
  • Liaise between Underwriting staff and Nursing staff.
What You Bring
  • 5 Years Relevant and progressive experience in area of specialization
  • Possess and have ability to apply basic knowledge of principles, practices, and procedures
  • Strong medical knowledge including International Classification of Diseases (ICD), Current Procedural Terminology (CPT), medical terminology, COBRA, and HIPAA
  • Solid written and verbal communication skills with an emphasis on confidentiality, tact, and diplomacy
  • Advanced organizational and analytical skills; demonstrated ability to manage multiple tasks simultaneously
  • Intermediate proficiency and experience using Microsoft Office package (Excel, Access, PowerPoint, Word)

Additional Working Conditions and Physical Demands
  • Overtime hours may be required to fulfill job responsibilities
  • May be required to remain stationary for extended periods of time
  • May be required to move up to 10 pounds
  • Must be able to operate a computer and other devices
  • Close vision and ability to adjust focus, such as required to read a computer screen

What We Offer
  • Competitive salary and comprehensive benefit package
  • Strong learning culture with ongoing development opportunities
  • Opportunities for growth and career advancement
  • Comprehensive medical, vision, and dental coverage, with eligibility beginning on your first day of employment
  • Basic life and disability insurance
  • 401(k) plan with 6% company match
  • 20 days of PTO, two floating holidays, approximately 11 paid holidays, and volunteer time off
  • Paid parental leave
  • Access to our award-winning wellness program, including mental health services, fitness network membership, and a complimentary Headspace subscription
  • Student loan matching program
  • Employee discount program
  • An opportunity to do meaningful work and love what you do

Pay Transparency
The pay range for this position is $45,1000-$99,500, which includes geographic adjustments, where applicable. The pay range is the range THMCC, in good faith, believes is the range of compensation for this role at the time of this posting. The hired applicant will be offered pay within the entire range based on the candidate's geographic location, qualifications, work experience, education, and/or skill level. The Company is fully committed to ensuring equal pay opportunities for equal work regardless of color, race, sex, national origin, sexual orientation, religion, age, veteran status, disability, pregnancy, citizenship status, genetic information, or any other basis protected by federal, state, or local pay equity laws.
The Company will consider for employment all qualified applicants, including those with criminal histories, in a manner consistent with the requirements of applicable federal, state and local laws, such as the Violent Crime Control and Law Enforcement Act of 1994 (18 USC § 1033(e))(the "VCCLEA"), which restricts financial institutions and insurers such as TMHCC from employing individuals with certain types of criminal convictions. Where the hiring and employment of individuals is not restricted by the foregoing, the Company will consider qualified applicants with arrest or conviction history in compliance with applicable law such as the California Fair Chance Act, the Los Angeles Fair Chance Initiative for Hiring Ordinance, the Los Angeles County Fair Chance Ordinance, the San Diego Fair Chance Ordinance, and the San Francisco Fair Chance Ordinance.]
As an insurance company, we comply with certain federal, state and local laws such as the Violent Crime Control and Law Enforcement Act of 1994 (18 USC § 1033(e)), which restricts our ability to employ individuals with certain types of criminal convictions. Where not restricted by law and for criminal history not covered by this law, the Company will consider qualified applicants with arrest or conviction history in compliance with applicable law.
You do not need to disclose your criminal history or participate in a background check until a conditional job offer is made to you. After making a conditional offer and running a background check, if the Company is concerned about a conviction that is directly related to the job, you will be given the chance to explain the circumstances surrounding the conviction or challenge the accuracy of the background report. The Company will consider for employment all qualified applicants, including those with criminal histories, in a manner consistent with the requirements of applicable federal, state and local laws, such as the Violent Crime Control and Law Enforcement Act of 1994 (18 USC § 1033(e))(the "VCCLEA"), which restricts financial institutions and insurers such as TMHCC from employing individuals with certain types of criminal convictions. Where the hiring and employment of individuals is not restricted by the foregoing, the Company will consider qualified applicants with arrest or conviction history in compliance with applicable law such as the California Fair Chance Act, the Los Angeles Fair Chance Initiative for Hiring Ordinance, the Los Angeles County Fair Chance Ordinance, the San Diego Fair Chance Ordinance, and the San Francisco Fair Chance Ordinance.]
About Us
Tokio Marine HCC is a leading specialty insurance group with offices in the United States,the United Kingdom, Europe, and other exciting locations. With the strength and stability that comes from being a member of the Tokio Marine Group, and more than fifty years of growth, profitability, and stability, we offer important insurance products that most people don't even know exist. Every policy we write is special, enabling our clients to do amazing things.
For over 50 years, HCC Life Insurance Company, operating as Tokio Marine HCC - A&H Group, has been at the forefront of medical stop loss insurance. In addition to traditional stop loss, we offer captive and Taft-Hartley stop loss solutions, level funded stop loss, Organ & Tissue Transplant insurance and MedPlus insurance. Tokio Marine HCC - A&H Group is rated A++ (Superior) by A.M. Best Company and benefits from the financial stability of its parent company, Tokio Marine HCC
Applying our Mind Over Risk philosophy to writing insurance allows our customers to take on opportunity with confidence. That philosophy defines our way of thinking, unites us as a team, and differentiates us from our competitors. We are much more than just an insurance company; we are a good company.
Equal Opportunity Employer
TMHCC is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to age, ancestry, citizenship, color, family or medical care leave, gender identity, genetic information, marital status, medical condition, national origin, physical or mental disability, protected veteran or military status, race, ethnicity, religion, sex (including pregnancy), sexual orientation, or any other characteristic protected by applicable local laws, regulations and ordinances.
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