Community Health Options

Junior Underwriter

Lewiston, ME 04240




The Junior Underwriter will support  the underwriting & pricing of Fully-Insured Large Group in-force (renewal) & prospective (new business) employer groups, composing rate analyses, communicating pricing decisions with Sales, maintaining the underwriting pricing log & related management reporting tools, and related accounting or other financial tasks as needed.   


  • With guidance from the Senior Underwriter, apply fundamental Underwriting & Pricing principles to review Large Group insurance cases , assess losses & risk and make premium recommendations to ensure rate sufficiency.
  • Present fully-insured pricing recommendations to the Senior Underwriter for review, guidance, and ultimate presentation to the Underwriting Committee for approval and release to Sales.
  • Prepare professional and intelligible exhibits illustrating expected claim liability and premium rate calculations, for both internal and external audience, as necessary.
  • Support monitoring the company’s financial performance across the Large Group book of business using the monthly loss reports & similar tools.
  • Support the Product Development team in designing an attractive and competitive portfolio of plan offerings.
  • Maintain and enforce Underwriting policies, procedures, and guidelines.
  • Update pricing, valuation, and forecasting models, as directed.
  • Support onboarding of ASO clients.
  • Other accounting or financial analyses or tasks as needed.


People within Community Health Options are expected to work with integrity, humility, strategic vision, curiosity, and discipline. They must be self-motivated, highly effective, and compassionate communicators, effectively working with people, work processes, and actively engaging in continuous process improvement.

Health Option diversity initiatives are applicable—but not limited—to our practices and policies on recruitment and selection; compensation and benefits; professional development, and training; promotions; transfers; social and recreational programs, and the ongoing development of a work environment built upon the premise of diversity equity, which encourages and enforces:

  • Respectful communication and cooperation between all employees.
  • Teamwork and employee participation, permitting the representation of all groups and employee perspectives.
  • Work/life balance through flexible work schedules to accommodate employees’ varying needs.
  • Employer and employee contributions to the communities we serve to promote a greater understanding and respect for the diversity.



  • BA/BS degree in the field of Economics, Finance, Mathematics or Statistics.
  • Minimum of three to five years underwriting or actuarial experience.
  • Knowledge of the health insurance industry.
  • Knowledge of ASO stop-loss quoting a plus.
  • Creative and strategic mindset.
  • Strong work ethic, efficient time management skills, excellent written and verbal communications.
  • Solutions oriented, with an emphasis on accuracy.
  • Strong working knowledge of data analysis and presentation and familiarity with Microsoft Office applications: Excel, Word, PowerPoint, and SQL.
  • Professional designations such as CEBS, ChFC, RHU desirable.


This is a remote position that includes a Total Rewards Program that is designed to enhance the lives of our people (i.e., cultivate a commitment to health, pay for current healthcare and dependent care costs, and provide a tax-effective vehicle to accumulate funds for retirement).

  • Health, Dental and Vision Insurance
  • Employer paid Group Life, STD and LTD Insurance
  • Wellness Program
  • 401(k) Retirement Plan with Employer match
  • Workplace Flexibility and Workplace Transition Program
  • EAP
  • Dependent Care Flex Spending
  • Vacation time, Holidays, Floating Holidays, Personal Health time, Maine Earned Paid Leave, Parental Paid Leave
  • Professional Development/Education Reimbursement

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