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 equitable. Ready to make a difference? Join us to start Caring. Connecting. Growing together.

You'll enjoy the flexibility to work remotely * from anywhere within the U.S. as you take on some tough challenges. Prefer someone on the West in Cypress, CA.

Primary Responsibilities:

• Support the development, maintenance, and refinement of benefit relativity models used for product pricing and evaluating changes in benefit design, including deductible, copay, and coinsurance structures
• Work on pricing initiatives across a wide range of business segments, including Small Group ACA, Level Funded, Large Group Fully Insured, and National Accounts
• Collaborate in a national role with cross-functional teams, including Products, Underwriting, Local Market Actuarial, and Regulatory, serving as a trusted resource and providing analytical insights and guidance
• Assist with a variety of projects, including Small Group certification, base rate review support, and advanced analytics initiatives
• Contribute to healthcare economics projects, such as analyzing value-based reimbursement arrangements and their impact on cost and utilization
• Address ad hoc requests from internal stakeholders, including Finance, Regulatory, and Legal, to support rate filings, objections, and other analyses
• Utilize SAS, R, and Python software to manipulate large datasets and produce claim distribution tables, utilization metrics, unit cost, and trend assumptions for modeling
• Create and validate actuarial models, ensuring alignment with best practices and internal standards, and develop exhibits and dashboards in Excel to communicate findings effectively
• Innovate and contribute to strategies for improving outcomes and operational efficiencies across business segments
• Adapt quickly to tight deadlines and evolving priorities, ensuring timely delivery of high-quality work

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, Finance, Economics, or a related technical field from an accredited college/university
• 5+ actuarial exams passed and actively pursuing ASA or FSA designation
• 3+ years of actuarial experience, preferably in healthcare or insurance pricing
• Advanced or higher proficiency in MS Excel (i.e., formulas, calculations, charts, graphs, data manipulation, VBA)
• Basic proficiency with SAS, SQL, R, and/or Python for working with large datasets
• Proven analytical, organizational, and problem-solving skills
• Proven ability to quickly learn and use computer software tools effectively
• Proven ability to communicate complex concepts effectively to both technical and non-technical audiences

Preferred Qualifications:

• FSA designation (or close to attainment)
• Experience with health insurance products, including PPO, HMO, and HSA-compliant plans
• Experience working within the context of health insurance regulations
• Basic experience with predictive analytics using R and/or Python
• Knowledge of data visualization tools like Power BI or Tableau
• Familiarity with benefit relativity modeling, claim distributions, and actuarial pricing techniques
• Intermediate proficiency in SAS, SQL, R, and/or Python, with the ability to write, debug, and optimize code
• Demonstrated solid interest in developing original quantitative analyses and process improvements
• Demonstrated ability to work collaboratively across cross-functional teams and adapt to dynamic business environments

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

The salary range for this role is $89,800 to $176,700 annually based on full-time employment. Pay is based on several factors including but not limited to local labor markets, education, work experience, certifications, etc. UnitedHealth Group complies with all minimum wage laws as applicable. In addition to your salary, UnitedHealth Group offers 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 UnitedHealth Group, you'll find a far-reaching choice of benefits and incentives.

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.