Remote Health Insurance Underwriter

Role Overview

Are you passionate about risk analysis and modern health technology? We seek a detail-oriented Remote Health Insurance Underwriter to join our forward-thinking team. In this role, you will evaluate health insurance applications, leverage data modeling tools, and collaborate cross-functionally with digital health partners to ensure underwriting excellence in a fully remote setting. This opportunity brings together strong analytical insight, tech-enabled collaboration, and industry innovation, empowering you to influence underwriting decisions worldwide. You'll be a vital part of a team that believes in reinventing how digital health and insurance intersect, optimizing processes through tools like automated underwriting models, EHR integration, and predictive risk analytics.

What You Will Do

Core Responsibilities

• Evaluate complex health insurance applications using cloud-based underwriting platforms.
• Interpret data from electronic medical records (EMRs), wearable health devices, and prescription databases.
• Apply current underwriting guidelines and make informed eligibility decisions.
• Communicate with healthcare providers and remote underwriters to gather missing information or clarify medical histories.
• Monitor compliance with federal and state insurance regulations, ensuring ethical underwriting practices.
• Contribute to the design of dynamic risk classification frameworks based on emerging trends.

Innovation-Driven Tasks

• Collaborate with data scientists to refine AI-assisted risk prediction models.
• Test and improve underwriting automation features using real-world application scenarios.
• Leverage machine learning tools to anticipate claim probabilities and flag anomalies.
• Participate in beta testing of health underwriting systems built on InsurTech innovations.
• Analyze statistical health outcomes from large datasets to influence product offerings.

Tools and Technologies

Platforms and Systems

• Industry-standard underwriting software like iPipeline and UnderwriteMe
• Integrated SQL-based data analytics environments for health claims
• Scripting tools (Python, R) for automating repetitive decision logic
• Project management and collaboration apps like Trello, Monday.com, and Jira
• Secure cloud infrastructure, such as AWS and Azure, for data storage

Security and Compliance

• End-to-end HIPAA compliance for all data handling and transmissions
• Encrypted multi-layer document management systems
• Real-time access control dashboards for credential validation
• Secure API integrations with third-party EHR and pharmacy data providers

Ideal Work Environment

Culture and Flexibility

• Embrace a culture of independence, innovation, and continuous learning
• Work remotely from any time zone with flexible scheduling options
• Biweekly team retrospectives to refine internal processes
• Async communication that promotes deep focus and creativity

Collaboration and Communication

• Slack channels are organized by domain expertise to promote rapid knowledge sharing.
• Virtual brainstorming rooms to ideate risk analysis frameworks
• Company-wide hackathons to explore new underwriting solutions
• Peer mentorship program for skills development and career support

Required Qualifications

Professional Background

• Minimum of 3 years in a health or life insurance underwriting role
• Expertise in interpreting health risk factors from multiple data sources
• Proficiency with digital health underwriting tools and remote operations
• Familiarity with risk classification systems, insurance medical exams, and MIB records

Skills and Competencies

• Ability to evaluate ambiguous data and derive logical decisions
• Strong organizational and documentation abilities in a paperless environment
• Collaborative mindset in cross-functional remote teams
• Comfortable presenting risk justifications to senior underwriting management

What Sets You Apart

Preferred Additions

• Prior experience in an InsurTech company or digital health startup
• Deep knowledge of ICD-10 coding and diagnostic interpretation
• Exposure to biometric scoring, genomics, or behavioral underwriting techniques
• Enthusiasm for automation and continuous process improvement

Growth and Opportunities

Advancement Potential

• Move into leadership roles such as Senior Underwriter or Risk Operations Lead.
• Join cross-departmental task forces exploring AI integrations in underwriting.
• Mentor junior underwriters and help shape remote onboarding strategies
• Influence digital transformation projects for global insurance platforms

Learning and Development

• Access to specialized underwriting certifications like FALU, CLU, or LOMA
• Monthly stipends for courses in data science, compliance, or health technology
• Participation in panel discussions with industry thought leaders
• Attendance at global virtual underwriting summits and workshops

Ready to Apply?

If the future of tech-powered health insurance energizes you and you have a keen eye for risk assessment, this is your moment. You'll be key in shaping modern underwriting practices that drive accessibility and efficiency. Apply today to work with a team that values data precision, agile thinking, and mission-driven impact. Your contributions will help redefine how digital tools empower smarter underwriting decisions.

Compensation and Benefits

Salary

• Annual compensation: $78,878 based on performance and experience level

Benefits Package

• Full coverage medical, dental, and vision insurance
• Flexible PTO with optional recharge weeks for wellness
• Stipends for high-speed internet and home office equipment
• Contribution-matching 401(k) plans and financial advisory services
• Remote mental health support and teletherapy access

Closing Thoughts

This role is designed for the forward-thinker who wants to apply their underwriting skills in a tech-forward, fully digital environment. As part of our globally distributed team, you'll experience the satisfaction of making accurate, timely decisions while collaborating on future-facing projects. If you're ready to join a purpose-driven culture that values innovation, autonomy, and data intelligence, we look forward to your application.