Senior Actuarial Analyst ALDP, IFP
UnitedHealthcare, Minnetonka, MN, United States
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. Are you excited by the challenge of turning complex data into sound pricing strategy that shapes access to affordable healthcare? As a Senior Actuarial Analyst, you'll play a critical role in supporting Individual & Family Plan pricing across multiple markets—blending analytical rigor, regulatory insight, and innovative thinking.
You’ll enjoy the flexibility to work remotely from anywhere within the U.S. As a Minneapolis or Washington, D.C. area hire, you will be required to work in the office a minimum of four days per week.
Primary Responsibilities
Support development and maintenance of ACA Individual & Family Plan pricing models, including morbidity, utilization, unit cost, risk adjustment, CSR loading, and reinsurance assumptions
Analyze market, enrollment, and claims experience to assess pricing adequacy, emerging trends, and financial performance across states and rating areas
Support annual rate development activities, including scenario testing and sensitivity analysis related to regulatory, market, and enrollment changes
Contribute actuarial inputs to forecasting, variance analysis, and financial reporting in partnership with Finance and Accounting
Support risk adjustment modeling, projections, and analysis
Assist with preparation, validation, and review of actuarial components of regulatory filings, objections, and data requests (e.g., URR/URRT, actuarial memoranda)
Collaborate with Product, Sales, Regulatory, Finance, and Healthcare Economics teams to support pricing strategy and implementation activities
Identify opportunities to improve models, processes, and documentation; may provide technical guidance to more junior analysts
Leverage emerging tools, including AI‑enabled analytics and automation, to improve efficiency, enhance insights, and streamline actuarial processes
Document technical work and processes effectively
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, with 2+ SOA exams passed
2+ years of actuarial work experience
Experience performing actuarial analysis in health insurance pricing, forecasting, or risk analysis
Beginner or higher level of proficiency in SQL and VBA for querying, manipulating, and automating large datasets
Intermediate or higher level of proficiency with Excel‑based actuarial models and data analysis tools
Demonstrated ability to work independently on moderately complex analyses and apply actuarial judgment to new situations
Proven solid analytical, problem‑solving, and quantitative skills
Proven clear written and verbal communication skills, including ability to explain technical results to non‑actuarial partners
Preferred Qualifications
Experience with ACA Individual market pricing, including familiarity with metal tier pricing, CSR impacts, reinsurance programs, and risk adjustment
Experience analyzing member‑level enrollment, claims, or risk‑score data
Exposure to regulatory filings or actuarial support for state and federal reporting
Working knowledge of ACA policy and CMS guidance impacting pricing and risk programs
Demonstrated ability to act as a technical resource within an actuarial team
Proven solid time management and organizational skills
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 401(k) contribution (all benefits are subject to eligibility requirements). The salary for this role will range from $72,800 to $130,000 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.
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You’ll enjoy the flexibility to work remotely from anywhere within the U.S. As a Minneapolis or Washington, D.C. area hire, you will be required to work in the office a minimum of four days per week.
Primary Responsibilities
Support development and maintenance of ACA Individual & Family Plan pricing models, including morbidity, utilization, unit cost, risk adjustment, CSR loading, and reinsurance assumptions
Analyze market, enrollment, and claims experience to assess pricing adequacy, emerging trends, and financial performance across states and rating areas
Support annual rate development activities, including scenario testing and sensitivity analysis related to regulatory, market, and enrollment changes
Contribute actuarial inputs to forecasting, variance analysis, and financial reporting in partnership with Finance and Accounting
Support risk adjustment modeling, projections, and analysis
Assist with preparation, validation, and review of actuarial components of regulatory filings, objections, and data requests (e.g., URR/URRT, actuarial memoranda)
Collaborate with Product, Sales, Regulatory, Finance, and Healthcare Economics teams to support pricing strategy and implementation activities
Identify opportunities to improve models, processes, and documentation; may provide technical guidance to more junior analysts
Leverage emerging tools, including AI‑enabled analytics and automation, to improve efficiency, enhance insights, and streamline actuarial processes
Document technical work and processes effectively
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, with 2+ SOA exams passed
2+ years of actuarial work experience
Experience performing actuarial analysis in health insurance pricing, forecasting, or risk analysis
Beginner or higher level of proficiency in SQL and VBA for querying, manipulating, and automating large datasets
Intermediate or higher level of proficiency with Excel‑based actuarial models and data analysis tools
Demonstrated ability to work independently on moderately complex analyses and apply actuarial judgment to new situations
Proven solid analytical, problem‑solving, and quantitative skills
Proven clear written and verbal communication skills, including ability to explain technical results to non‑actuarial partners
Preferred Qualifications
Experience with ACA Individual market pricing, including familiarity with metal tier pricing, CSR impacts, reinsurance programs, and risk adjustment
Experience analyzing member‑level enrollment, claims, or risk‑score data
Exposure to regulatory filings or actuarial support for state and federal reporting
Working knowledge of ACA policy and CMS guidance impacting pricing and risk programs
Demonstrated ability to act as a technical resource within an actuarial team
Proven solid time management and organizational skills
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 401(k) contribution (all benefits are subject to eligibility requirements). The salary for this role will range from $72,800 to $130,000 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.
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