Health Insurance Underwriting Director Salary in the United States

How much does a Health Insurance Underwriting Director make in the United States?

As of March 01, 2026, the average salary for a Health Insurance Underwriting Director in the United States is $163,400 per year, which breaks down to an hourly rate of $79.

However, a Health Insurance Underwriting Director's salary can vary significantly. Here’s a look at the typical salary range:

  • Top Earners (90th percentile): $185,561
  • Majority Range (25th-75th percentile): $153,200 to $175,000
  • Entry-Level (10th percentile): $143,913
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View as table View as graph 25% $153,200 10% $143,913 90% $185,561 75% $175,000 $163,400 50%(Median) Didn’t find job title? Click

Health Insurance Underwriting Director Salaries by Percentile

Annual
Salary
Monthly
Pay
Weekly
Pay
Hourly
Wage
75th Percentile $175,000 $14,583 $3,365 $84
Average $163,400 $13,617 $3,142 $79
25th Percentile $153,200 $12,767 $2,946 $74
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Key Factors That Influence Health Insurance Underwriting Director Salaries

A Health Insurance Underwriting Director's salary isn't a fixed number. It's shaped by several important factors. Below, we'll explore how your years of experience, geographic location, education and company size can directly affect your earning potential.

How Experience Level Affects Health Insurance Underwriting Director Salaries?

Experience is a primary driver of a Health Insurance Underwriting Director's salary. As you build your skills and take on more complex tasks, your compensation generally increases. Here's how the average salary grows at different career stages:

  • Health Insurance Underwriter (2-4 years): $71,308
  • Health Insurance Senior Underwriter (4-7 years): $92,695
  • Health Insurance Underwriting Manager (7+ years): $131,602
  • Health Insurance Underwriting Director (7+ years): $163,389
Job Role Years of Experience Average Salary
Health Insurance Underwriter2-4 years$71,308
Health Insurance Senior Underwriter4-7 years$92,695
Health Insurance Underwriting Manager7+ years$131,602
Health Insurance Underwriting Director7+ years$163,389
$71,308 Health In...
$92,695 Health In...
$131,602 Health In...
$163,389 Health In...
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What Am I Worth?

Top Paying Cities for Health Insurance Underwriting Directors

Salaries can also vary between different cities. Major metropolitan areas or cities with a high demand for technicians often offer more competitive pay. Here are a few examples of average annual salaries in different U.S. cities:

  • San Jose: $206,100
  • San Francisco: $204,100
  • Oakland: $199,600

How Education impacts a Health Insurance Underwriting Director's Salary?

Your level of education can impact your salary potential. While many Health Insurance Underwriting Directors enter the field with a Bachelor's Degree degree, higher education can lead to more specialized and higher-paying roles.

According to our 100% employer-reported salary data, the median salary for a Health Insurance Underwriting Director with a Bachelor's Degree is between $152,513 and $160,845).

Health Insurance Underwriting Director Salaries by Degree Level

Typical Education for Health Insurance Underwriting Director
Degree Level % of user with this level of education
No Diploma 75.0%
High School 25.0%
Associates 0.0%
Bachelors 75.0%
Masters 25.0%
Doctorate 0.0%
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Health Insurance Underwriting Director Salary: Hourly Rate, Weekly Pay, and Monthly Pay

Understanding how a Health Insurance Underwriting Director's annual salary breaks down can help with budgeting. Below, you can see the average hourly rate, weekly pay, and monthly pay for this role. Use the buttons to switch between different pay periods.

Last Updated on March 01, 2026

Health Insurance Underwriting Director Salary Growth & Career Path

Promotions are the fastest way to increase your earnings. As a Health Insurance Underwriting Director, you have the following paths for advancement. The table below compares the salary raises for common next-step roles. By comparing these figures, you can choose the career path that best meets your financial goals.

Health Insurance Underwriting Director Salary Growth and Career Path
Next Step Role Estimate Salary Projected Raise
Chief Life Underwriting Executive $214,000 31%
Vice President of Property Casualty Underwriting $262,730 61%
Top Group Underwriting Executive $261,900 60%

Salary Trends for Health Insurance Underwriting Director

Salaries for a Health Insurance Underwriting Director can change over time, reflecting shifts in market demand and the overall economy. The median salary decreased from $164,396 in 2023 to around $161,260 in 2025, reflecting changes in demand, location, experience, and the wider economy. For a detailed analysis of Health Insurance Underwriting Director salary trends, .

Average Annual Salary of Health Insurance Underwriting Director Over Time

2022
$???
2023
$164,396
2024
$162,752
2025
$161,260
2026
$???
2027
$???
Year Average Annual Salary
2022
View More
2023 $164,396
2024 $162,752
2025 $161,260
2026
View More
2027
View More

Most common benefits for Health Insurance Underwriting Director

Social Security
401(k)
Disability
Healthcare
Pension
Time Off (days)
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Common company salaries for Health Insurance Underwriting Director

Here are companies hiring for Health Insurance Underwriting Director and their salaries, click below for more details.

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Ready to take the next step in your career? Browse thousands of current Health Insurance Underwriting Director job openings on our job board. Use the search bar below to find your perfect match.

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FAQ about Health Insurance Underwriting Director

1. How do I become a healthcare underwriter?

To become a healthcare underwriter, you typically need a bachelor's degree, preferably in business administration or health information management. Entry-level positions offer salaries starting around $145,000, with mid-level roles averaging $160,700, and experienced underwriters earning up to $174,600. Gaining relevant experience and certifications can enhance your career prospects.

2. How much do underwriters make in the US?

The estimated salary for a Health Insurance Underwriting Director in the US ranges from $145,000 to $174,600, with a midpoint average of $160,700. This reflects the competitive compensation for experienced professionals in this field, highlighting the importance of their role in managing risk and ensuring profitability for insurance companies.

3. What type of insurance underwriter makes the most money?

The highest-paying insurance underwriter role is the Health Insurance Underwriting Director, with a salary range of $145,000 to $174,600 per year. The midpoint salary for this position is approximately $160,700. Other high-paying roles include Chief Underwriter and Underwriting Manager, but the Underwriting Director stands out in terms of compensation.

4. How do underwriters make money?

Underwriters make money by assessing risk and determining the appropriate premiums for insurance policies. Their expertise helps insurance companies minimize losses while ensuring profitability. In the role of Health Insurance Underwriting Director, salaries range from $145,000 to $174,600, with a midpoint of $160,700, reflecting the critical nature of their work in managing financial risk.

5. What is the salary of a top underwriter?

The salary for a Health Insurance Underwriting Director ranges from a minimum of $145,000 to a maximum of $174,600, with a mid-salary of $160,700. This reflects the higher compensation typically associated with top underwriting positions in the health insurance sector.

6. How much do Blue Cross Blue Shield underwriters make?

As of January 2025, the average annual salary for a Health Insurance Underwriting Director is between $145,000 and $174,600. The midpoint salary is approximately $160,700, reflecting the diverse responsibilities and expertise required for this role within the industry.

Where Does Our Salary Data Come From?

Salary.com provides salary estimates, histograms, trends, and comparisons using data from employer job postings and third-party sources.

We offer detailed salary information across multiple percentiles for your reference. (Click here to learn Why the Salary Midpoint Formula Is Crucial for Achieving Pay Equity.)

With the most extensive online, real-time compensation data available, Salary.com helps you pinpoint your exact pay target.

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