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Stop Loss Underwriter Jobs (NOW HIRING)

Novacore

Sr. Underwriter, Stop Loss

Conshohocken, PA · On-site

$96K - $114K/yr

Underwriter, Stop Loss The Sr. Medical Stop-Loss Underwriter is a pivotal team member responsible for managing and underwriting a self-created portfolio of medical stop-loss products. This role ...

Novacore

Sr. Underwriter, Stop Loss

Conshohocken, PA

$96K - $114K/yr

Underwriter, Stop Loss The Sr. Medical Stop-Loss Underwriter is a pivotal team member responsible for managing and underwriting a self-created portfolio of medical stop-loss products. This role ...

Highmark Health

Senior Medical Stop Loss Underwriter

$100K - $119K/yr

The incumbent uses discretion of Underwriting authority within the policies of HMIG and ensures appropriate levels of profitability and growth over time. Identifying when to decline quotes that do ...

PartnerRe Ltd.

Senior Underwriter, ESL

Maple Grove, MN · On-site

$100 - $150/hr

We are seeking an Employer Stop Loss Senior Underwriter who will be responsible for risk assessment, analyzing and underwriting new and renewal business for our Employer Stop Loss product. The ...

PartnerRE Ltd.

Senior Underwriter, ESL

Maple Grove, MN · Hybrid

$100K - $119K/yr

We are seeking an Employer Stop Loss Senior Underwriter who will be responsible for risk assessment, analyzing and underwriting new and renewal business for our Employer Stop Loss product. The ...

Captive Resources

Underwriter

Itasca, IL · On-site

$100K - $135K/hr

The Underwriter is responsible for evaluating and underwriting stop-loss insurance. The role involves analyzing medical risk, pricing policies, and making recommendations based on a thorough ...

Captive Resources

Underwriter

Itasca, IL

$100K - $135K/hr

The Underwriter is responsible for evaluating and underwriting stop-loss insurance. The role involves analyzing medical risk, pricing policies, and making recommendations based on a thorough ...

Captive Resources

Underwriter

Itasca, IL · On-site +1

The Underwriter is responsible for evaluating and underwriting stop-loss insurance. The role involves analyzing medical risk, pricing policies, and making recommendations based on a thorough ...

PartnerRe

Senior Underwriter, ESL

Maple Grove, MN · On-site

$100K - $119K/yr

We are seeking an Employer Stop Loss Senior Underwriter who will be responsible for risk assessment, analyzing and underwriting new and renewal business for our Employer Stop Loss product. The ...

JCW Group

Medical Underwriter

Cincinnati, OH · On-site

A well established insurance carrier with a long track record of stability is looking to add a Medical Stop Loss professional to its underwriting team in Cincinnati. This is a great opportunity to ...

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Stop Loss Underwriter information

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$32.5K

$78.9K

$139.5K

How much do stop loss underwriter jobs pay per year?

As of Aug 21, 2026, the average yearly pay for stop loss 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 is a stop loss underwriter?

A Stop Loss Underwriter assesses and evaluates the risk associated with self-funded health insurance plans by determining the appropriate pricing and coverage for stop-loss insurance. They analyze medical claims data, demographic trends, and financial information to mitigate potential high-cost claims for insurance carriers. Their role involves working closely with brokers, third-party administrators (TPAs), and employers to structure policies that protect businesses from excessive healthcare expenses. Strong analytical skills, industry knowledge, and attention to detail are essential for success in this role.

What are the key skills and qualifications needed to thrive as a stop loss underwriter?

To excel as a Stop Loss Underwriter, you need a solid understanding of health insurance, risk analysis, and underwriting principles, often backed by a relevant bachelor’s degree and industry experience. Familiarity with underwriting software, data analytics tools, and industry certifications such as LOMA or AHIP is highly valued. Strong analytical thinking, attention to detail, and effective communication skills are crucial to evaluate complex claims and negotiate terms with clients or brokers. These skills ensure the accurate assessment of risk, compliance with regulations, and successful partnership with stakeholders, all of which are vital to mitigating financial loss for insurers.

What are the primary challenges faced by stop loss underwriters in their daily work?

Stop Loss Underwriters regularly face the challenge of evaluating high-value, complex medical claims data and accurately forecasting potential risks for large group health plans. Balancing rigorous risk assessment with competitive pricing requires strong analytical skills and vigilance regarding emerging healthcare trends. Additionally, underwriters must frequently collaborate with sales teams, brokers, and reinsurers to structure deals and resolve client concerns. While the work is both analytical and relationship-driven, those who thrive enjoy problem-solving and making impactful decisions that directly affect business outcomes.

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Stop Loss Underwriter jobs near you
Infographic showing various Stop Loss Underwriter job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 83% Full Time, 13% Part Time, and 3% Contract. Highlights an 97% Physical, 1% Hybrid, and 2% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.

Sr. Underwriter, Stop Loss

Novacore

Conshohocken, PA • On-site

$96K - $114K/yr

Full-time

Re-posted 6 days ago

Job description

Why join the Novacore team?
Because your next stellar chapter starts here - and we're building something bold and meaningful.
At Novacore, we're not your average insurance company. We're a team of driven professionals passionate about redefining the specialty insurance experience for our agents, carrier partners - and for each other.
We specialize in tailored solutions for niche industries, powered by advanced analytics, modern technology and a culture of innovation. Backed by strong leadership and strategic growth initiatives, Novacore is poised to scale and lead in the specialty insurance market.
But at our core, we believe it's not just what we do - it's how we do it and who we do it with.
Recognized as a top workplace, Novacore is a place where ambition is supported, growth is continuous and culture matters. From day one, you'll find mentorship, hands-on learning and clear paths for advancement. You'll grow your skills, expand your expertise and become even more exceptional - because when you succeed, we all do.
We offer:
  • A collaborative, results-driven environment
  • Competitive compensation and comprehensive benefits
  • Year-round social and community events
  • Ongoing mentorship and professional development
  • Endless opportunities for upward mobility

So if you're ready to be part of something extraordinary - with a team that's transforming commercial insurance - we want to meet you.
Underwriter, Stop Loss
The Sr. Medical Stop-Loss Underwriter is a pivotal team member responsible for managing and underwriting a self-created portfolio of medical stop-loss products. This role involves detailed risk assessment, developing pricing strategies, and providing technical guidance to other underwriters. The ideal candidate will bring a strong analytical background and a strategic approach to risk management, with an in-depth understanding of self-insurance and stop-loss policies. Someone in this position must develop distribution sources and foster a dynamic relationship with those opportunities.
Carbon Stop Loss Solutions is a leading managing general underwriter (MGU) in the field of employer stop loss and managed care insurance. Carbon's team of experts are known as the industry leader in delivering best-in-class risk solutions to effectively lower healthcare costs. Carbon's offerings support clients and brokers in a rapidly changing healthcare market with best-in-class service, underwriting, claims support and effective cost containment strategies.
Carbon Stop Loss Solutions makes up Novacore's Healthcare Segment. At Novacore, we're entering an exciting new chapter. Novacore is the newly formed specialty insurance entity created from the April 2025 sale of NSM Insurance Group's U.S. commercial division. We're building something bold and meaningful, and every team member plays a vital role in that mission.
Responsibilities:
  • Evaluate and underwrite medical stop-loss insurance RFP's, utilizing historical claims data and underwriting software tools to determine risk and set premiums.
  • Perform thorough analysis of variables such as employer size, demographics, health care utilization, and insurance needs.
  • Ensure compliance with state regulations, adhere to all underwriting requirements both internal and as set by carriers.
  • Conduct financial analysis of employers to gauge the ability to meet obligations under a self-funded plan.
  • Engage with brokers and clients to gather additional information, explain risk decisions, and foster strong business relationships.
  • Monitor portfolio performance, identify trends, and recommend adjustments to underwriting practices as necessary.
  • Mentor and train Junior Underwriters and Underwriting Assistants, promoting a culture of continuous learning and quality improvement.
  • Participate in product development initiatives to introduce innovative stop-loss solutions in the market.

Qualifications:
  • Minimum 2 years of direct experience in medical stop-loss underwriting, with a proven track record of managing complex accounts.
  • Deep understanding of self-funded health plans, TPA's, and experience in Broker community.
  • Established producer relationships and an existing book of business is a plus but not required.
  • Strong proficiency in Microsoft Office Suite and David Young system is strongly preferred.
  • Exceptional negotiation and interpersonal skills to interact effectively with brokers, clients, and internal teams.
  • Ability to effectively communicate, justify and document underwriting decisions to management and risk partners. The underwriter must demonstrate sound reasoning and a comprehensive ability to assess both the major drivers of risk and the more subtle aspects that might not be immediately apparent in the facts and circumstances of a case.
  • Regular communication with clients and colleagues, via email, zoom, in-person, etc.
  • Participate in planning for individual annual goals and quarterly reviews of the division and individual's own benchmarks.
  • Some travel may be expected for client meetings, industry conferences, and professional development opportunities, about 2x per year - 1 week each cycle. 1st and 3rd quarter of each year.

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