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CVS Health
CVS Health
HealthcareHealthcare InsuranceRetail
CVS Health is an American healthcare company working across healthcare services, health insurance, pharmacy benefits management, and retail pharmacy. Through businesses including Aetna and CVS Caremark, it supports health coverage, prescription access, condition management, specialty medications, and mail-order pharmacy services. Its neighborhood pharmacies and broader care offerings are designed to help people access essential healthcare more conveniently and affordably. CVS Health brings together insurance, pharmacy, and health services to support individuals and communities throughout their care journeys.
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Senior Underwriting Associate, Large-Group Insurance

Support Aetna’s large-group insurance pricing, risk assessment, and profitability through underwriting analysis, quotes, renewals, reconciliations, and customer financial deliverables at CVS Health.

USUnited StatesCTConnecticut
$18 – $38 / hour
HybridFull-timeSeniorEnglish RequiredUnderwriter

Description

  • Analyze underwriting risks for new and renewing large-group business.
  • Assess pricing, funding arrangements, and contract structures to support sound risk selection and profitability.
  • Recommend underwriting actions that support revenue and membership growth.
  • Manage assigned cases and accounts, balancing competitive positioning with financial performance goals.
  • Build expertise in product lines, funding arrangements, and rating methods.
  • Work with internal partners to deliver underwriting solutions that meet business goals and customer needs.
  • Prepare and present new-business quotes, renewal proposals, and accounting reconciliations for large-group customers.
  • Conduct financial analysis and underwriting assessments to inform pricing, profitability, and growth decisions.
  • Check work for accuracy, completeness, and compliance with underwriting guidelines and company standards.
  • Work with managers and mentors on pricing strategies and accounting balance recommendations.
  • Use underwriting systems, tools, rating platforms, and reference materials to prepare customer deliverables.
  • Apply underwriting guidelines and escalate exceptions, financial variances, and nonstandard risks.
  • Help sales and account teams explain rate development, fee calculations, accounting balances, and underwriting policies.
  • Prepare customer-specific reports, documentation, and financial deliverables.
  • Audit premiums, fees, claim wires, and receivables.
  • Track customer allowances and Minority/Women Business Enterprise (MBE/WBE) goals for compliance and reporting.
  • Take part in departmental projects, cross-functional workgroups, and operational initiatives.
  • Identify process improvements and support automation, workflow enhancements, and efficiency efforts.

Requirements

  • Strong analytical and quantitative skills to interpret data and make informed business recommendations.
  • Problem-solving and critical-thinking skills.
  • Careful attention to detail and accuracy.
  • Proficiency with Microsoft Office, including Excel.
  • Effective written and verbal communication skills.
  • Ability to prioritize tasks, manage multiple deadlines, and work in a fast-paced environment.
  • Ability to work independently and collaborate with cross-functional partners.
  • Ability to learn new systems, processes, and technical concepts.
  • Basic knowledge of financial analysis, business mathematics, accounting principles, or related quantitative concepts.
  • Experience in underwriting, insurance, healthcare, finance, accounting, analytics, risk management, or a related field is preferred.
  • Experience analyzing data, identifying trends, and making recommendations is preferred.
  • Exposure to pricing, forecasting, budgeting, financial reporting, or account reconciliation is preferred.
  • Experience working with large data sets and performing quantitative analysis is preferred.
  • Knowledge of healthcare insurance products, underwriting principles, or funding arrangements is preferred.
  • Advanced Microsoft Excel skills, including PivotTables and data analysis functions, are preferred.
  • A record of collaborating across teams to meet business objectives is preferred.
  • Interest in pursuing a career in underwriting and risk management is preferred.
  • Bachelor’s degree or equivalent experience.

Benefits

  • CVS Health bonus, commission, or short-term incentive program in addition to base pay.
  • Medical coverage.
  • Dental coverage.
  • Vision coverage.
  • Paid time off.
  • Retirement savings options.
  • Wellness programs.
  • Resources supporting physical, emotional, and financial well-being.

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