Principal Underwriter

As a Principal Underwriter at MotivHealth, you will serve as a senior technical authority within the underwriting function — driving pricing accuracy across complex accounts, shaping underwriting methodology, and mentoring the broader team. This role is designed for an experienced underwriter who combines technical excellence with a genuine investment in team growth.

HOW YOU'LL MAKE AN IMPACT:

• Lead underwriting on the most complex, large-market, and strategically significant new and renewal accounts across medical, pharmacy, and stop-loss products.
• Serve as a technical resource and mentor to underwriting team, leading structured training, reviewing work, and building the team's depth of knowledge across underwriting best practices.
• Own ongoing model and pricing updates to ensure tools remain current and competitive to drive consistency and accuracy across the team.
• Partner with Sales, Account Management, Clinical Services, and Finance on high-stakes proposals, RFP responses, and renewal strategies.
• Represent the company externally in broker and client-facing meetings, with periodic travel required to support sales and renewal engagements.
• Perform advanced claims and risk analysis, including multi-year trend modeling, credibility weighting, and large claimant corridor assessment.
• Identify process gaps or pricing risks and proactively recommend improvements to underwriting tools and workflows.
• Support implementation and audit processes for complex group structures, ensuring accuracy in rate validation and documentation.
• Contribute to cross-functional projects and represent the underwriting function in strategic planning discussions.

WHAT YOU BRING:

• A degree in Business, Finance, Statistics, or a closely related field — or equivalent professional experience
• 7+ years of underwriting experience, with demonstrated expertise across fully insured, level-funded, ASO, and stop-loss arrangements
• Deep knowledge of healthcare pricing, risk assessment, funding strategies, and plan design
• Proven ability to mentor peers and contribute to team development and knowledge sharing
• Advanced Excel proficiency (Macros, Pivot Tables, complex modeling); experience with underwriting platforms or data tools a plus
• Strong analytical instincts with the ability to explain complex concepts clearly to non-technical stakeholders
• Excellent written and verbal communication skills; comfortable presenting to leadership and external partners

MotivHealth is a dynamic and mission-driven health insurance company dedicated to disrupting the status quo by making healthcare simpler and more affordable for our members. We believe in empowering our members to take control of their health and financial well-being. Our innovative approach requires a team of passionate, talented individuals who aren't afraid to challenge conventional thinking and build solutions that truly make a difference. If you're looking to contribute your skills to a company that values innovation and positive impact, MotivHealth is the place for you.