Actuarial Consultant IFP

At UnitedHealthcare, we're simplifying the health care experience, creating healthier communities and removing barriers to quality care. The work you do here impacts the lives of millions of people for the better. Come build the health care system of tomorrow, making it more responsive, affordable and optimized. Ready to make a difference? Join us to start Caring. Connecting. Growing together

Shape the future of affordable healthcare through data driven insight. As an Actuarial Consultant supporting ACA Individual & Family Plans, you'll sit at the intersection of strategy, analytics, and regulation-owning pricing decisions that directly impact members, markets, and financial performance. In this highly visible role, you'll lead sophisticated actuarial analyses, translate complex market dynamics into clear recommendations, and partner across the organization to influence product and pricing strategy. If you thrive on solving complex problems, navigating regulatory nuance, and innovating how actuarial work gets done, this is an opportunity to make a meaningful impact at scale.

You'll enjoy the flexibility to work remotely * from anywhere within the U.S. as you take on some tough challenges. For all hires in the Minneapolis or Washington, D.C. area, you will be required to work in the office a minimum of four days per week. 

Primary Responsibilities:

• Lead development and maintenance of ACA Individual & Family Plan pricing models for assigned states or market segments, including morbidity, utilization, unit cost, risk adjustment, CSR loading, reinsurance, and administrative assumptions
• Own end to end actuarial analyses supporting annual rate development, including assumption setting, scenario analysis, and interpretation of results for leadership and cross functional partners
• Evaluate market dynamics, regulatory changes, and enrollment shifts to assess pricing adequacy, competitive positioning, and financial risk
• Serve as a subject matter resource for ACA pricing topics, including risk adjustment mechanics, CSR impacts, and regulatory requirements
• Provide actuarial leadership in preparation, review, and validation of regulatory filings and responses (e.g., URR/URRT, actuarial memoranda, state or CMS data requests)
• Partner closely with Product, Regulatory, Finance, and Healthcare Economics teams to influence pricing strategy, product decisions, and implementation timelines
• Support forecasting and financial planning by providing actuarial insight into variances between pricing assumptions and actual experience
• Identify and drive enhancements to pricing models, analytical processes, and documentation standards; provide guidance and review support for more junior analysts
• Champion innovation in actuarial modeling and analysis, including use of AI enabled tools, automation, and advanced analytics to enhance insight, scalability, and decision support

You'll 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 provide development for other roles you may be interested in.

Required Qualifications:

• Bachelor's degree in Actuarial Science, Mathematics, Statistics, Economics, or a related quantitative discipline
• Progress toward actuarial designation (ASA track), having passed 4+ exams
• 4+ years of actuarial work experience
• Demonstrated experience leading actuarial pricing or financial analyses within health insurance.
• Proven solid actuarial judgment and ability to independently resolve complex or ambiguous analytical issues
• Proven ability to translate technical results into clear insights for non actuarial stakeholders
• Proven solid organizational skills and ability to manage multiple priorities and deliverables
• Advanced or higher level of proficiency with Excel based actuarial models and analytical tools

Preferred Qualifications: 

• Direct experience with ACA Individual market pricing, including ownership of state level or multi state rate development
• Experience serving as actuarial lead or primary contributor for regulatory filings and external data requests
• Experience mentoring or reviewing work produced by other analysts
• Experience influencing pricing or product decisions through actuarial analysis
• Deep working knowledge of ACA policy, CMS guidance, and risk adjustment programs

*All employees working remotely will be required to adhere to UnitedHealth Group's Telecommuter Policy

Pay is based on several factors including but not limited to local labor markets, education, work experience, certifications, etc. In addition to your salary, we offer benefits such as, a comprehensive benefits package, incentive and recognition programs, equity stock purchase and 401k contribution (all benefits are subject to eligibility requirements). No matter where or when you begin a career with us, you'll find a far-reaching choice of benefits and incentives. The salary for this role will range from $91,700 to $163,700 annually based on full-time employment. We comply with all minimum wage laws as applicable.

Application Deadline: This will be posted for a minimum of 2 business days or until a sufficient candidate pool has been collected. Job posting may come down early due to volume of applicants.

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.  

UnitedHealth Group is an Equal Employment Opportunity employer under applicable law and qualified applicants will receive consideration for employment without regard to race, national origin, religion, age, color, sex, sexual orientation, gender identity, disability, or protected veteran status, or any other characteristic protected by local, state, or federal laws, rules, or regulations.    

UnitedHealth Group is a drug - free workplace. Candidates are required to pass a drug test before beginning employment.