Underwriting Consultant

Optum is a global organization that delivers care, aided by technology to help millions of people live healthier lives. The work you do with our team will directly improve health outcomes by connecting people with the care, pharmacy benefits, data and resources they need to feel their best. Here, you will find a culture guided by diversity and inclusion, talented peers, comprehensive benefits and career development opportunities. Come make an impact on the communities we serve as you help us advance health equity on a global scale. Join us to start Caring. Connecting. Growing together.

The Underwriting Consultant will analyze health benefit plan characteristics and assess risks within our underwriting guidelines to meet financial targets. This individual will analyze health benefit plan characteristics and assess risks in developing premiums. Will utilize established underwriting criteria and policies to provide proper rating methodologies. Will assist in maintaining pricing models to assist in the analysis of determining premiums. The Underwriting Consultant will evaluate and recommend alternative pricing options and plan design changes based on economic analysis and trends. This individual will also prepare financial modeling for budget calculation, and other ongoing reviews that directly aligns with client strategies. They will validate renewals and request for proposals for accuracy including utilization & experience reporting. 

Careers with Optum offer flexible work arrangements and individuals who live and work in the Republic of Ireland will have the opportunity to split their monthly work hours between our Letterkenny office and telecommuting from a home-based office in a hybrid work model.  

Primary Responsibilities:

• Prepare financial experience rating calculations and other ongoing financial reviews that directly aligns with client strategies 
• Validate renewals and request for proposals for accuracy including utilization and experience reporting 
• Evaluate and negotiate potential alternatives and options for New Business and Renewal groups with internal and external customers  
• Collaborate with the Sales and Account Management teams to project pricing and profitability and participate in the development of the business strategy 
• Support all requests associated with designated account(s) including annual renewal preparation, ad-hoc reporting, consultation, etc.  

You will be rewarded and recognized for your performance in an environment that will challenge you and give you clear direction on what it takes to succeed in your role, as well as providing development for other roles you may be interested in.

Required Qualifications:

• Bachelor's degree or equivalent professional experience
• Proven solid experience in healthcare underwriting across a range of products, including PPO, HMO, self funded, ASO, fully insured, and/or group or individual plans
• Proven ability to interpret and analyze complex datasets to support underwriting recommendations and pricing strategies
• Demonstrated intermediate proficiency in Microsoft Office applications, particularly Excel (e.g., data analysis and modeling), as well as Word and PowerPoint
• Demonstrated solid attention to detail, with a consistent track record of delivering accurate, high quality work within established deadlines

Preferred Qualifications:

• Demonstrated excellent communication skills, with the ability to clearly articulate complex concepts both verbally and in writing to a variety of stakeholders
• Demonstrated negotiation and influencing skills, with the ability to support business outcomes while managing risk
• Demonstrated solid analytical thinking and problem solving skills, with the ability to make sound decisions in a fast paced environment
• Proven experience collaborating cross functionally (e.g., sales, actuarial, account management) to deliver customer focused solutions
• Demonstrated continuous improvement mindset, with a focus on process optimization and operational efficiency

Please note you must currently be eligible to work and remain indefinitely without any restrictions in the country to which you are making an application. Proof will be required to support your application.  

At UnitedHealth Group, our mission is to help people live healthier lives and make the health system work better for everyone. We believe everyone-of every race, gender, sexuality, age, location and income-deserves the opportunity to live their healthiest life. Today, however, there are still far too many barriers to good health which are disproportionately experienced by people of color, historically marginalized groups and those with lower incomes. We are committed to mitigating our impact on the environment and enabling and delivering equitable care that addresses health disparities and improves health outcomes - an enterprise priority reflected in our mission.


Diversity creates a healthier atmosphere: Optum is an Equal Employment Opportunity employer and all qualified applicants will receive consideration for employment without regard to gender, civil status, family status, sexual orientation, disability, religion, age, race, and membership of the Traveller community, or any other characteristic protected by law. Optum is a drug-free workplace. © 2026 Optum Services (Ireland) Limited. All rights reserved.

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