Requisition Number: 2366163 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. As an Associate Director of Actuarial Services , you will be empowered, supported and encouraged to use your actuarial expertise as you build and maintain actuarial models to support financial analysis for our Value-Based Care (VBC) business. You'll find an accelerated actuarial development path to support you in your continuing post-graduate education and certification. The successful candidate will have a strong background in actuarial science, a technical skillset to take on complex VBC modeling and the curiosity and desire to become a thought leader in their areas. This position manages analysts responsible for assessing and quantifying risk in risk-based contracts across the provider organization and developing and maintaining actuarial models used to support contract negotiations. You'll enjoy the flexibility to work remotely * from anywhere within the U.S. as you take on some tough challenges. Primary Responsibilities: - Oversee, build and maintain actuarial models used for forecasting, negotiations, and tracking performance risks associated with value-based arrangements - Drive strategic insight into profitability by leading analysis and communication of key drivers, distinguishing impacts from business and regulatory changes versus revenue and medical trends - Analyze revenue/claim data from multiple sources and translate complex concepts in ways that can be understood by a variety of audiences including senior leaders - Serve as a key resource for risk-taking provider organizations and physician groups - Communicate results and provide recommendations to stakeholders on business performance and strategic actions - Contribute thought leadership, provide actuarial recommendations, and assist Finance leadership with Medicare Advantage, Commercial, and Medicaid risk contracting - Mentor, direct and review work of a team of 1-3 analysts All while working in an environment that allows: - Effective project & time management; Flexibility in your work schedule - Participation in team problem solving; Contribution to team effectiveness - Inclusion into the UHG Actuarial Study Program, including company sponsored study hours and study materials 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, or related field - 2+ years of experience analyze and transforming large healthcare claims datasets - 5+ years of actuarial experience with foundational literacy in healthcare analytics and modeling - 3+ years of experience in Medicare Advantage, bid/risk score development, value-based care (VBC) modeling, or government programs in general - Proficiency in Excel and SQL - Excellent problem-solving and communication skills, along with critical thinking skills to anticipate questions from key stakeholders and consider all aspects of a deliverable before completion Preferred Qualifications: - ASA/FSA, or progress toward ASA or FSA (Associate/Fellowship of the Society of Actuaries) designation - Experienced in mentoring and/or leading junior analysts - Experienced presenting business insights and summaries to inform decisions to stakeholders - Demonstrated ability to be self-motivated, inquisitive, and quick to learn new business concepts, with a proactive approach to taking initiative *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 - $170,000 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.

• Conduct analysis, pricing and risk assessment to estimate financial outcomes • Manage health plan specific actuarial needs and produce actuarial reports • Serve as the main point of contact for all actuarial related activities for an assigned contract • Apply knowledge of mathematics, probability, statistics, principles of finance and business to calculate financial outcomes • Research and analyze the impact from legislative changes • Analyze various data reports, identify trends and gaps and recommend action

• Conduct analysis, pricing and risk assessment to estimate financial outcomes • Provide expertise and technical support in matters related to the successful and financially sound operations of the company's health plan businesses • Shape Value-Based Care (VBC) strategies, vendor arrangements, and contract design • Collaborate with internal partners to ensure VBC strategies are analytically sound and operationally feasible • Research and identify new business opportunities • Work with Medicare/marketplace and Medicaid teams to assess impact of program/policy changes • Apply knowledge of mathematics, probability, statistics, principles of finance and business to calculate financial outcomes • Oversee health plan experience, identify trends and recommend improvements • Lead the development of sophisticated financial models to assess financial risk and opportunity

Role Description The Associate Actuary will support Medicare Market & Provider Finance with a focus on hospital unit cost financial impacts, provider reimbursement analytics, and actual-to-expected cost evaluation. You will develop and maintain analyses that assess hospital contract performance, support unit cost assumption development, and quantify the financial impact of provider and network strategies. You will partner with Network, Provider, Finance, and other cross-functional stakeholders to deliver clear, actionable insights using actuarial methods, claims data, reimbursement assumptions, and analytical tools. The Associate Actuary will report to the Associate Director, Actuarial Analytics/Forecasting. Key Responsibilities - Develop and maintain hospital unit cost analytic models to evaluate provider reimbursement levels, contract performance, and network financial impacts. - Perform actual-to-expected analyses to assess the appropriateness of unit cost assumptions and support assumption refinement. - Quantify financial impacts related to hospital contracting changes, reimbursement updates, and provider-specific assumptions. - Apply actuarial methods and business judgment to support scenario modeling, sensitivity analysis, and financial impact estimates. - Build, validate, and maintain analyses using Excel and other analytical tools, including SQL Server and Databricks. - Develop summarized reporting, dashboards, and executive-ready exhibits, including Power BI reports, to communicate hospital unit cost performance and modeled financial impacts. Qualifications - Bachelor's Degree - Associate of Society of Actuaries (ASA) designation - MAAA - Demonstrated ability to articulate ideas effectively in both written and oral forms - SQL or Python experience - Microsoft Excel experience Requirements - This is a remote position. - To ensure Home or Hybrid Home/Office employees’ ability to work effectively, the self-provided internet service must meet the following criteria: - At minimum, a download speed of 25 Mbps and an upload speed of 10 Mbps is required; wireless, wired cable or DSL connection is suggested. - Humana reserves the right to require associates to upgrade their internet service if necessary. - Work from a dedicated space lacking ongoing interruptions to protect member PHI / HIPAA information. - While this is a remote position, occasional travel to Humana's offices for training or meetings may be required. Pay Range The compensation range below reflects a good faith estimate of starting base pay for full time (40 hours per week) employment at the time of posting. The pay range may be higher or lower based on geographic location and individual pay will vary based on demonstrated job related skills, knowledge, experience, education, certifications, etc. $106,900 - $147,000 per year This job is eligible for a bonus incentive plan based upon company and/or individual performance. Benefits - Medical, dental and vision benefits - 401(k) retirement savings plan - Time off (including paid time off, company and personal holidays, paid parental and caregiver leave) - Short-term and long-term disability - Life insurance - Many other opportunities Application Deadline 07-31-2026