Actuarial Consultant IFP - Remote

UnitedHealth Group•Minnetonka, MN

6d•Remote

About The Position

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 Shape the future of affordable healthcare through data driven insight. As an Actuarial Consultant supporting ACA Individual & Family Plans, you’ll sit at the intersection of strategy, analytics, and regulation—owning pricing decisions that directly impact members, markets, and financial performance. In this highly visible role, you’ll lead sophisticated actuarial analyses, translate complex market dynamics into clear recommendations, and partner across the organization to influence product and pricing strategy. If you thrive on solving complex problems, navigating regulatory nuance, and innovating how actuarial work gets done, this is an opportunity to make a meaningful impact at scale. You’ll enjoy the flexibility to work remotely from anywhere within the U.S. as you take on some tough challenges. For all hires in the Minneapolis or Washington, D.C. area, you will be required to work in the office a minimum of four days per week.

Requirements

Bachelor’s degree in Actuarial Science, Mathematics, Statistics, Economics, or a related quantitative discipline
Progress toward actuarial designation (ASA track), having passed 4+ exams
4+ years of actuarial work experience
Demonstrated experience leading actuarial pricing or financial analyses within health insurance.
Proven solid actuarial judgment and ability to independently resolve complex or ambiguous analytical issues
Proven ability to translate technical results into clear insights for non actuarial stakeholders
Proven solid organizational skills and ability to manage multiple priorities and deliverables
Advanced or higher level of proficiency with Excel based actuarial models and analytical tools
All employees working remotely will be required to adhere to UnitedHealth Group’s Telecommuter Policy

Nice To Haves

Direct experience with ACA Individual market pricing, including ownership of state level or multi state rate development
Experience serving as actuarial lead or primary contributor for regulatory filings and external data requests
Experience mentoring or reviewing work produced by other analysts
Experience influencing pricing or product decisions through actuarial analysis
Deep working knowledge of ACA policy, CMS guidance, and risk adjustment programs

Responsibilities

Lead development and maintenance of ACA Individual & Family Plan pricing models for assigned states or market segments, including morbidity, utilization, unit cost, risk adjustment, CSR loading, reinsurance, and administrative assumptions
Own end to end actuarial analyses supporting annual rate development, including assumption setting, scenario analysis, and interpretation of results for leadership and cross functional partners
Evaluate market dynamics, regulatory changes, and enrollment shifts to assess pricing adequacy, competitive positioning, and financial risk
Serve as a subject matter resource for ACA pricing topics, including risk adjustment mechanics, CSR impacts, and regulatory requirements
Provide actuarial leadership in preparation, review, and validation of regulatory filings and responses (e.g., URR/URRT, actuarial memoranda, state or CMS data requests)
Partner closely with Product, Regulatory, Finance, and Healthcare Economics teams to influence pricing strategy, product decisions, and implementation timelines
Support forecasting and financial planning by providing actuarial insight into variances between pricing assumptions and actual experience
Identify and drive enhancements to pricing models, analytical processes, and documentation standards; provide guidance and review support for more junior analysts
Champion innovation in actuarial modeling and analysis, including use of AI enabled tools, automation, and advanced analytics to enhance insight, scalability, and decision support