Group Underwriter Senior

Your Role

The Premier Accounts Underwriting team serves group health care for national and public sector companies with over 3,000 employees and all labor and trust groups. Partnering with our national (large) accounts sales organization, we work with California's and the nation's largest and most sophisticated employers and benefits consultants.

The Group Underwriter Large, Senior will report to the underwriting manager. In this role you will be part of an underwriting team responsible for balancing operating income and membership goals while protecting the company’s bottom line from loss.

• Apply appropriate actuarial factors and rating methods to determine potential exposure to Blue Shield’s products
• Collect, review and assess customer specific data including financial condition, employee demographics and past claim experience to determine degree of risk, appropriate benefits and rates
• Review requests for quotes, develop and review bid specifications, benefit plan design features and financial alternatives for complex, fully insured cases as well as alternative funding arrangements (e.g., ASO, minimum premium, etc.)
• Participate in discussions and negotiate with sales representatives on new and renewal business. May be included in discussions with brokers, consultants and employers
• Review and approve rates in sales requests and update financial and tracking databases
• Provide underwriting knowledge sharing, education, advice and coaching to other underwriters and departments
• Prepare ad hoc statistical reports

• Requires a bachelor's degree or equivalent experience
• Requires at least 5 years of prior relevant experience
• Requires strong knowledge of medical underwriting principles, practices and techniques
• Requires ability to solve complex problems with sometimes ambiguous information
• Requires comprehensive knowledge of medical products including their financial drivers and funding arrangements including fully insured, ASO, minimum premium and refund accounting
• Requires excellent negotiation and customer service skills
• Requires ability to perform as a team member and collaborate with other teams/depts
• Preferred:
  Experience working for a national insurance carrier working on larger national account

As of January 2025, Blue Shield of California became a subsidiary of Ascendiun. Ascendiun is a nonprofit corporate entity that is the parent to a family of organizations including Blue Shield of California and its subsidiary, Blue Shield of California Promise Health Plan;
Altais, a clinical services company; and Stellarus, a company designed to scale healthcare solutions. Together, these organizations are referred to as the Ascendiun Family of Companies.

At Blue Shield of California, our mission is to create a healthcare system worthy of our family and friends and sustainably affordable. We are transforming health care in a way that genuinely serves our nonprofit mission by lowering costs, improving quality, and enhancing the member and physician experience. To achieve our mission, we foster an environment where all employees can thrive and contribute fully to address the needs of the various communities we serve.

We are committed to creating and maintaining a supportive workplace that upholds our values and advances our goals.

• Honest. We hold ourselves to the highest ethical and integrity standards. We build trust by doing what we say we're going to do and by acknowledging and correcting where we fall short.
• Human. We strive to listen and communicate effectively, showing empathy by understanding others' perspectives.
• Courageous. We stand up for what we believe in and are committed to the hard work necessary to achieve our ambitious goals.

At Blue Shield of California and the Ascendiun Family of Companies, we believe in fostering a workplace environment that balances purposeful in‑person collaboration with flexibility. As we continue to evolve our workplace model, our focus remains on creating spaces where our people can connect with purpose – whether working in the office or through a hybrid approach – by providing clear expectations while…