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Employee Benefits is the core of our business and at our heart we are a people-focused organization. Every day, we help over 100,000 employers give their employees peace of mind by providing health, pharmacy, long and short-term disability, vision, dental and other insurance solutions. What makes us unique is that we can surround our clients with more services and more technology-based tools and a team of advisors that simply cares more than anyone else.
If you want a career giving people the reassurance that they can have access to the health care they need for themselves and their loved ones, join OneDigital .
Our Newest Opportunity:
Summary:
The OneDigital Self-Funded Center of Excellence (SFCOE) provides OneDigital offices with a full suite of self-funding solutions and support, including traditional stop loss, captives, level-funded options, and TPA (ASO) marketing. Our goal is to match each client with the right self-funded strategy based on their risk-profile while reducing complexity for the field and ensuring clients receive competitive pricing and best-in-class contract terms.
The Underwriting Consultant is a senior technical role within OneDigital ’s Self-Funded Center of Excellence (SFCOE). This individual leads stop loss underwriting analysis and strategy for groups as assigned, partnering closely with the Vice President of Self-Funded Solutions.
The Underwriting Consultant serves as a trusted technical advisor to OneDigital field consultants and brokers nationwide. The role requires deep expertise in self-funding and stop loss, including claims analysis, deductible and contract structuring, carrier negotiations, policy review, and risk modeling. In addition, this individual mentors junior team members and helps build their technical understanding of stop loss and self-funded plan strategy.
Essential Duties and Responsibilities (include but are not limited to):
Conduct in-depth claims analysis for assigned groups, including large claimant activity, high-cost diagnoses, run rates, loss ratio trends, and emerging risks.
Evaluate stop loss deductible levels in relation to each group’s claims history, financial tolerance, and overall risk profile.
Analyze renewal laser positions including straight lasers, conditional lasers, and no-laser alternatives and develop data-driven negotiation and placement strategies.
Identify opportunities for proactive contract, funding, or plan-design adjustments in advance of renewal.
Recommend stop loss contract provisions, policy structures, and carrier placement strategies that align with each group’s risk profile and objectives.
Review and compare carrier products, services, contract language, and policy terms to support informed recommendations Manage the stop loss marketing, analysis, placement, and renewal process for groups as assigned.
Own the analysis and marketing process for assigned group stop loss policies, ensuring timely, accurate, and strategic recommendations.
Partner with the SFCOE claims and service team to support complex claims, policy, and reimbursement matters.
Maintain thorough documentation and oversight of policy placement, renewals, and carrier communications for assigned groups.
Additional responsibilities as required
Qualifications, Skills, and Requirements:
Deep technical knowledge of stop loss insurance, including specific and aggregate coverage, deductible structures, policy provisions, lasers, claims reimbursement, and renewal negotiations.
Demonstrated experience analyzing claims data, evaluating risk, identifying cost drivers, and developing underwriting recommendations for self-funded groups.
Ability to review a claims file and tell a story, identifying what's driving cost, what's likely to recur, and how it should affect placement strategy
Identify loss ratio trends and recommend proactive contract or plan design adjustments ahead of renewal
Strong writing skills with ability to correspond and present in a clear, concise, and persuasive manner to C-Suite Ability to build trusted relationships with field consultants, brokers, carrier partners, and internal stakeholders.
Ability to prioritize multiple projects at once and thrives in a fast paced, energetic environment
Highly organized and driven to accomplish the goals set before him/her
Supports team members during peak schedule by offering help where needed
Comfortable serving as a mentor and informal resource for junior colleagues
Ability to translate complex underwriting analysis into clear, actionable recommendations for consultants, brokers, and client leadership
A self-starter who works independently, but also cooperatively in a close team environment
Education, Training and Experience:
Bachelor’s degree in business, Finance, Math, Accounting, or another related field, preferred.
7+ years’ experience working for a group insurance carrier, broker, or consultant, strongly preferred.
Advanced knowledge of group insurance underwriting including Stop Loss, and Self-Funding
Familiarity with multiple insurance companies and TPA’s strongly preferred.
Underwriting experience required
Advanced proficiency in Microsoft Excel and other tools used for claims analysis, modeling, and reporting.
Current life and health producer license or ability to acquire within 90 days of hire (company paid), required
The typical base pay range for this role nationwide is $120,000 to $135,000 per year.
Your base pay is dependent upon your skills, education, qualifications, professional experience, and location. In addition to base pay, some roles are eligible for variable compensation, commission, and/or annual bonus based on your individual performance and/or the company’s performance. We also offer eligible employees health, wellbeing, retirement, and other financial benefits, paid time off, overtime pay for non-exempt employees, and robust learning and development programs. You will receive reimbursement of job-related expenses per the company policy and may receive employee perks and discounts.
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OneDigital is an equal opportunity employer. Not only as a matter of standard, but to honor and celebrate our differences. We believe that the power of ONE starts with you. We are committed to cultivating and preserving a culture that celebrates diversity, insists on equity and inclusion, and connects us. Ensuring our people feel seen, valued, respected, and supported is fundamental to our core values and business goals.
OneDigital provides equal employment opportunities to all employees and applicants for employment regardless of their: veteran status, uniformed servicemember status, race, color, religion, sex, sexual orientation, gender identity, age (40 and over), pregnancy (including childbirth, lactation and related medical conditions), national origin or ancestry, citizenship or immigration status, physical or mental disability, genetic information (including testing and characteristics) or any other category protected by federal, state or local law (collectively, “protected characteristics”). A copy of the Federal EEO poster is linked here.
Pursuant to local Fair Chance Ordinances, we will consider qualified applications with arrest or conviction records for employment. For applicable candidates, the following ordinances are linked here to inform you of your rights as an applicant:
City and County of San Francsico
City of Los Angeles
County of Los Angeles
Employment decisions shall comply with all other applicable federal, state and city/county laws prohibiting discrimination in employment. OneDigital complies with all criminal history inquiry [or ‘ban the box’] laws in California, Connecticut, Colorado, Hawaii, Illinois, Maine, Maryland, Massachusetts, Minnesota, New Jersey, New Mexico, Oregon, Rhode Island, Vermont and Washington.
In short, we believe in hiring the most qualified applicant for the position, regardless of background.
If you have questions about our hiring policies and practices, we would be happy to discuss upon receiving your application. We hope to welcome you to OneDigital and look forward to hearing from you.
OneDigital understands the immense responsibility and opportunities provided by Artificial Intelligence. We utilize advanced Artificial Intelligence [AI] technologies to enhance our recruitment process. This includes using AI to filter candidates based on their qualifications and to rediscover potential candidates from our existing applicant pool. Our AI systems help us efficiently identify the best fit for our open positions, ensuring a streamlined and effective hiring experience. However, AI does not replace the humans in our process. If you have concerns about our use of AI, you may opt out where laws allow.
Thank you for your interest in joining the OneDigital team!