• Design and create profitability analyses and reviews • Analyze stop loss program experience and develop appropriate corrective actions • Create analyses for underwriters and senior management in support of new and existing programs • Assist in the due diligence of potential new programs • Assist underwriting in the preparation of experience rating and provide actuarial guidance on risk selection • Work with existing programs to gather appropriate data for analysis • Maintain and update existing experience analysis tools and models • Assist in developing rating plans for all products • Develop rating support and memorandums for submission to state Department of Insurance • Manage and respond to filing objections • Familiarity with state regulations and requirements for rate filings • Analyze and review industry stop loss manuals • Develop underwriting guidelines – credibility tables, completion factors, and experience rating • Produce rating tools for underwriters • Assist in the preparation of monthly reserve reviews • Prepare recommendations for reserve changes • Strong ability to communicate effectively and professionally with internal and external clients • Informs manager of status and problems within assigned area of responsibility • Refer matters beyond limits of authority and expertise to manage for direction • Performs duties in a timely and efficient manner • Ability to manage multiple projects simultaneously while meeting deadlines • Work closely with business unit leaders to support all actuarial aspects

• Will be responsible for Medicare pricing and risk revenue analytics. • Managing Actuaries typically manage one or more direct reports and are responsible for their team’s work, reviews, and development, as well as being responsible for producing their own work • Managing Actuaries participate in the Actuarial Rotation program which provides the opportunity to rotate to a different team every 3-4 years. • Support pricing, trend analytics, gross margin reporting, and financial reporting related to ACA, Medicare, Group, Reserves, Segment, and other teams • Actuarial representation on cross-functional workgroups as an active participant

Title: Associate Director, Actuarial - Remote Location: United States Job Description: Requisition number: 2361122 Job category: Actuarial Overtime status: Exempt Travel: No Optum is a global organization that delivers care, aided by technology to help millions of people live healthier lives. The work you do with our team will directly improve health outcomes by connecting people with the care, pharmacy benefits, data and resources they need to feel their best. Here, you will find a culture guided by inclusion, talented peers, comprehensive benefits and career development opportunities. Come make an impact on the communities we serve as you help us advance health optimization on a global scale. Join us to start Caring. Connecting. Growing together. At UnitedHealth Group, you'll join a culture of performance, collaboration, and opportunity-one that leverages cutting-edge technology to improve the lives of millions. Innovation here means making health care data available wherever and whenever it's needed-safely and reliably-to drive better outcomes and smarter health care spending. As the Associate Director of Actuarial Services on the UHG Trend Analytics team supporting Optum Health, you'll play a pivotal role in delivering strategic analytics that shape how we understand, manage, and predict health care expenses across. This role is responsible for leading medical expense forecasting processes using standardized and best-in-class trend methodologies to set a medical cost outlook. 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. Primary Responsibilities: - The Associate Director in this role will work with detailed health care claims data to build and maintain actuarial models to support medical expense analytics and forecasting - Lead the development and execution quarterly medical expense forecasting processes for Optum Health - Design and implement analytic methods that promote consistency with enterprise-wide medical cost forecasting standards - Develop, maintain, and enhance medical expense forecasts -ensuring timely delivery of actionable insights to business stakeholders - Collaborate closely with finance, operations, and other analytic teams to drive transparency and alignment in medical trend assumptions - Analyze large healthcare datasets to identify trends, variances, and risks/opportunities compared to forecast - Present findings and recommendations clearly to both technical teams and senior leadership - Support continuous improvement by identifying areas to automate or optimize existing processes - Mentor junior analysts; contribute to team development initiatives - Support ad-hoc analytic requests related to medical expense trends as needed 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, or related field - Credentialed Actuary (FSA or ASA) - 6+ years of healthcare actuarial experience with increasing leadership responsibility - 2+ years of experience as a people and/or project manager - Experience developing standard analytic methodologies - Demonstrated expertise with healthcare claims data analysis - Advanced proficiency with data tools such as Excel/SAS/SQL/Power BI - Excellent written and verbal communication skills; able to present technical findings effectively Preferred Qualifications: - Experience in Healthcare Consulting - Solid organizational skills; ability to manage multiple priorities in a matrixed organization - Located where you can regularly commute to the Optum campus in Eden Prairie, MN *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 401k contribution (all benefits are subject to eligibility requirements). No matter where or when you begin a career with us, you'll find a far-reaching choice of benefits and incentives. The salary for this role will range from $112,700 to $193,200 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.

Title: Director, Actuarial Services - Remote Location: Eden Prairie United States Job Description: Optum is a global organization that delivers care, aided by technology to help millions of people live healthier lives. The work you do with our team will directly improve health outcomes by connecting people with the care, pharmacy benefits, data and resources they need to feel their best. Here, you will find a culture guided by inclusion, talented peers, comprehensive benefits and career development opportunities. Come make an impact on the communities we serve as you help us advance health optimization on a global scale. Join us to start Caring. Connecting. Growing together. At UnitedHealth Group, you'll join a culture of performance, collaboration, and opportunity-one that leverages cutting-edge technology to improve the lives of millions. Innovation here means making health care data available wherever and whenever it's needed-safely and reliably-to drive better outcomes and smarter health care spending. As the Director of Actuarial Services on the UHG Trend Analytics team supporting Optum Health, you'll play a pivotal role in delivering strategic analytics that shape how we understand, manage, and predict health care expenses across Optum Home & Community at-risk populations (DSNP, ISNP, CSNP). This high‑visibility leadership role will require strong actuarial judgment, and the ability to translate complex analyses into clear, actionable insights for executive audiences. 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. Primary Responsibilities: - The Director in this role will lead a high-performing team responsible for producing enterprise‑critical actuarial analytics focused on forecasting and explaining at‑risk medical expense work with detailed claims, clinical, and financial data to deliver accurate, timely, and decision ready medical expense forecasts. - You will oversee the development of forward‑looking medical cost forecasts, trend analytics, and executive reporting used by senior leaders to manage financial performance, understand risk, and guide strategic actions - Lead enterprise medical expense forecasting for Optum Health's Care at Home and Senior Community Care populations - Own actuarial methodologies and assumptions supporting at‑risk medical cost projections, trend development, and risk assessment - Oversee executive‑level medical expense reporting and forecast commentary, ensuring accuracy, transparency, and consistency across segments and markets - Develop and evolve forecasting frameworks from inception through automation, including data sourcing, model design, validation, and governance - Partner closely with Finance, Clinical, Operations, and Market leaders to align actuarial views with business realities and operational insights - Serve as a trusted actuarial advisor to senior leadership-explaining forecast changes, emerging risks, and key medical cost drivers - Lead scenario analysis and risk assessments to support budgeting, outlook, and strategic planning processes - Translate complex actuarial analyses into concise executive messaging-clearly articulating implications, risks, and recommended actions - Establish and maintain strong quality assurance, controls, and documentation across all forecasting and reporting outputs - Foster a culture of continuous improvement, innovation, and collaboration within the actuarial team - Mentor and develop actuarial talent; build high‑performing teams capable of operating in fast‑paced, ambiguous environments 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, or related field - Credentialed Actuary (FSA or ASA) - 8+ years of healthcare actuarial experience with increasing leadership responsibility - 3+ years of experience as a people and/or project manager - Significant experience in medical expense forecasting, trend development, and risk management within payer, provider, or value‑based care environments - Experience collaborating with cross functional partners and presenting analytical findings - Solid executive communication skills with ability to clearly explain assumptions, risk, and uncertainty - Advanced proficiency in MS Excel, and experience designing and running complex data programs, (e.g., extract and analyze data via R, SAS, SQL, Python, Tableau, PowerBI, VBA, predictive modeling, .net ) Preferred Qualifications: - Experience working for a consulting practice - Leadership experience within Optum, UHC, large payers, or provider organizations - Demonstrated success influencing senior leadership through data‑driven insights - Located where you can regularly commute to the Optum campus in Eden Prairie, MN - Willing to relocate to where you can regularly commute to the Optum campus in Eden Prairie, MN - 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 401k contribution (all benefits are subject to eligibility requirements). No matter where or when you begin a career with us, you'll find a far-reaching choice of benefits and incentives. The salary for this role will range from $134,600 to $230,800 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.