Senior Insurance Product Analyst Jobs (NOW HIRING)

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The Senior Insurance Product Compliance Professional negotiates with state and federal regulatory agencies to secure approval for insurance policies and certificates. This role supports the implementation and ongoing maintenance of compliant insurance policy and certificate documentation. It also contributes to departmental strategy and exercises sound judgment in determining how to manage technical work for complex project components.
The Senior Insurance Product Compliance Professional Negotiates with state and federal regulatory agencies to obtain policy and certificate approval for insurance products. They support implementation and maintenance of compliant insurance policies and certificates. They contribute to department strategy and make decisions on how to handle technical work for complex project components. They work independently and exercise latitude in determining objectives and approaches to assignments.
Responsibilities

• Develop and maintain group policy and certificate language to support product initiatives, administrative practices, and applicable regulatory requirements.
• Create awareness of current regulatory issues and ensure policy and certificate forms for the company's life, ancillary, and supplemental health insurance products remain compliant with applicable requirements.
• Monitor and analyze regulatory requirements to assess insurance contract language impacts and provide consultative guidance to team members.
• Develop and maintain self-funded group contract templates (Plan Management Agreement and Summary Plan Description) for assigned product(s).
• Facilitate discussions with operational and compliance partners to review and finalize drafted contract language or assist with negotiating regulatory approvals.
• Prepare standard policy and certificate forms for use as templates for state and federal regulatory filings and subsequent implementation.
• Research and develop written responses or provide consultative support for regulatory objections, exams, and inquiries.
• Maintain accurate and thorough documentation, including rationale for new or revised contract language, work instructions, and project tracking information.
• Conduct quality reviews to ensure accuracy and compliance of generic and state-specific policy/certificate forms, advertisements, and other assigned materials.
• Recommend and support process improvements to maximize efficiency.
• Research and provide timely impact responses to Request for Proposals (RFPs) and/or Pre-sale Quotes (PSQs), draft, file and implement contract language to support client needs.
• Serve as Subject Matter Expert (SME) for assigned product lines. This involves responding to policy and certificate language questions, collaborating with cross-functional teams on regulatory impacts, and providing training and support to associates as needed.
• Conduct and/or assist with research regarding contract language or competitor filings and provide findings (as assigned)..

Use your skills to make an impact
Required Qualifications

• Bachelor's Degree or equivalent experience in a healthcare/insurance compliance function
• Minimum 5 years of healthcare / insurance industry experience
• Knowledge of laws and regulations governing the healthcare / insurance industry experience, such as state Departments of Insurance and CMS
• Ability to research and analyze state laws and regulations
• Understanding of insurance products, including policy/certificate language
• Proficient in Adobe Acrobat and Microsoft 365 (Office) applications, including Word, Excel, Teams, and SharePoint
• Excellent oral and written communication skills. This includes ability to collaborate effectively with associates across all levels of the organization and reviewer-level state/federal regulators
• Demonstrated attention to detail and accuracy
• Proven analytical and problem-solving ability
• Self-motivated and task oriented, with an ability to manage multiple priorities and work under pressure to meet deadlines

Preferred Qualifications

• Experience with filings in System for Electronic Rate and Form Filing (SERFF)
• Experience developing and filing contract language for supplemental health products, such as hospital indemnity, critical illness, accident, disability income.

Additional Information
This role is posted remote - nationwide. Regardless of work location, you will be asked to maintain standard business hours aligned with Eastern or Central time.
Work at Home Requirements: To ensure Home or Hybrid Home/Office employees' ability to work effectively, the self-provided internet service of Home or Hybrid Home/Office employees must meet the following criteria: At minimum, a download speed of 25 Mbps and an upload speed of 10 Mbps is required; wireless, wired cable or DSL connection is suggested. In certain roles, the minimum recommended internet speed required by Humana may not be sufficient for business needs. Humana reserves the right to require associates to upgrade their internet service if necessary. Work from a dedicated space lacking ongoing interruptions to protect member PHI / HIPAA information.
Travel: While this is a remote position, occasional travel to Humana's offices for training or meetings may be required.
Scheduled Weekly Hours
40
Pay Range
The compensation range below reflects a good faith estimate of starting base pay for full time (40 hours per week) employment at the time of posting. The pay range may be higher or lower based on geographic location and individual pay will vary based on demonstrated job related skills, knowledge, experience, education, certifications, etc.
$78,400 - $107,800 per year
This job is eligible for a bonus incentive plan. This incentive opportunity is based upon company and/or individual performance.
Description of Benefits
Humana, Inc. and its affiliated subsidiaries (collectively, "Humana") offers competitive benefits that support whole-person well-being. Associate benefits are designed to encourage personal wellness and smart healthcare decisions for you and your family while also knowing your life extends outside of work. Among our benefits, Humana provides medical, dental and vision benefits, 401(k) retirement savings plan, time off (including paid time off, company and personal holidays, paid parental and caregiver leave), short-term and long-term disability, life insurance and many other opportunities.
Application Deadline: 07-19-2026
About us
About Humana: Humana Inc. (NYSE: HUM) is a leading U.S. healthcare company. Through our Humana insurance services and our CenterWell healthcare services, we make it easier for the millions of people we serve to achieve their best health - delivering the care and service they need, when they need it. These efforts are leading to a better quality of life for people with Medicare and Medicaid, families, individuals, military service personnel, and communities at large. Learn more about what we offer at Humana.com and at CenterWell.com.
Equal Opportunity Employer
It is the policy of Humana not to discriminate against any employee or applicant for employment because of race, color, religion, sex, sexual orientation, gender identity, national origin, age, marital status, genetic information, disability or protected veteran status. It is also the policy of Humana to take affirmative action, in compliance with Section 503 of the Rehabilitation Act and VEVRAA, to employ and to advance in employment individuals with disability or protected veteran status, and to base all employment decisions only on valid job requirements. This policy shall apply to all employment actions, including but not limited to recruitment, hiring, upgrading, promotion, transfer, demotion, layoff, recall, termination, rates of pay or other forms of compensation and selection for training, including apprenticeship, at all levels of employment.