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Underwriter - Complex Medical Salary in the United States

How much does an Underwriter - Complex Medical make in the United States?

As of August 01, 2026, the average salary for an Underwriter - Complex Medical in the United States is $71,303 per year, which breaks down to an hourly rate of $34.

However, an Underwriter - Complex Medical's salary can vary significantly. Here’s a look at the typical salary range:

  • Top Earners (90th percentile): $79,751
  • Majority Range (25th-75th percentile): $65,217 to $75,725
  • Entry-Level (10th percentile): $59,676
Salary Factors Salary-Boosting Skills Salary by Experience Related Job Salaries Top Paying Cities Explore Related Jobs

Key Factors That Influence Underwriter - Complex Medical Salaries

An Underwriter - Complex Medical'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 and company size can directly affect your earning potential.

How Experience Level Affects Underwriter - Complex Medical Salaries?

Experience is a primary driver of an Underwriter - Complex Medical'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:

  • Underwriter - Complex Medical (2-4 years): $71,303
  • Health Underwriter, Sr. (4-7 years): $92,697
  • Health Underwriting Manager (7+ years): $131,662
  • Health Underwriting Director (7+ years): $163,383
Job Role Years of Experience Average Salary
Underwriter - Complex Medical2-4 years$71,303
Health Underwriter, Sr.4-7 years$92,697
Health Underwriting Manager7+ years$131,662
Health Underwriting Director7+ years$163,383
View as Graph

How Do Underwriter - Complex Medicals Salaries Vary from State to State?

Your salary can change significantly depending on where you work. States with a higher cost of living and strong industrial sectors often pay more to attract Underwriter - Complex Medicals. For example, consider the average annual salaries in these key locations:
  • District of Columbia: $78,947.
  • California: $78,647.
  • Massachusetts: $77,599.

Top Paying Cities for Underwriter - Complex Medical

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: $89,934
  • San Francisco: $88,950
  • Oakland: $87,075

What Skills Can Increase an Underwriter - Complex Medical's Salary?

Demanded Skills for the Role:

  • Networking (Mentioned in 14.84% Job Postings): Ability to maintain, build and expand a personal and business contact list to grow one's career and business opportunities.
  • Back Office (Mentioned in 5.18% Job Postings): The back office is the administration and support personnel who are not client-facing. Back-office personnel provide essential functions to the business.
  • Ethernet (Mentioned in 1.19% Job Postings): Ethernet is the traditional technology for connecting devices in a wired local area network (LAN) or wide area network (WAN). It enables devices to communicate with each other via a protocol, which is a set of rules or common network language.
Skills Demand Percentage
Networking 14.84%
Back Office 5.18%
Ethernet 1.19%
See More Skills

What skills can make your compensation higher?

Mastering certain specialized skills can lead to a significant increase in pay. Here are examples of skills and the potential impact they can have on an Underwriter - Complex Medical's salary.

  • Ethernet: Can increase your salary by up to 40%.
  • Insurance Products: Can increase your salary by up to 15%.
  • Insurance Sales: Can increase your salary by up to 12%.
Skill Salary Salary % Increase
Ethernet $99,824
40%
Insurance Products $81,998
15%
Insurance Sales $79,859
12%
Get Latest Data

Underwriter - Complex Medical Salary by Company Size: Startups vs. Enterprise

Underwriter - Complex Medical salary potential scales significantly with company size. Data shows that Enterprise companies (5,000+ employees) pay the highest average salary at around $76,951. While startup companies pay approximate $65,255.

Underwriter - Complex Medical Salary by Company Size

Company Size Employees Average Salary
Startup 1~50 $65,255
Growth Stage 51~500 $68,981
Established 501~5000 $74,344
Enterprise 5000+ $76,951

Underwriter - Complex Medical Salary by Industry: Top Paying Sectors

For Underwriter - Complex Medical roles, the industry you choose can affect earning potential by as much as 50% (the gap between the highest and lowest paying industries). Data shows that the Business Services and Financial Services sectors offer the strongest compensation, at 25% above the average. In contrast, Underwriter - Complex Medical positions in Healthcare or Edu., Gov't. & Nonprofit typically offer lower base pay, as these industries often view Underwriter - Complex Medical as a support function rather than a direct revenue driver.

The top paying industries for an Underwriter - Complex Medical

Industry Sector Average Annual Salary Average Hourly Rate Pay vs.Avg
Business Services$89,129$43.025%
Financial Services$74,868$36.05%

Underwriter - Complex Medical Salary: Hourly Rate, Weekly Pay, and Monthly Pay

Understanding how an Underwriter - Complex Medical'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 August 01, 2026
$65,217
Average $71,303/year
$75,725
$5,435
Average $5,942/month
$6,310
$1,254
Average $1,371/week
$1,456
$31
Average $34/hour
$36
Annual Salary Monthly Pay Weekly Pay Hourly Wage
75th Percentile $75,725 $6,310 $1,456 $36
Average $71,303 $5,942 $1,371 $34
25th Percentile $65,217 $5,435 $1,254 $31

Underwriter - Complex Medical Salary Growth & Career Path

Underwriter - Complex Medical

Next Role

Advancement

Promotions are the fastest way to increase your earnings. As an Underwriter - Complex Medical, 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.

Next Step Role Estimate Salary Projected Raise
Health Underwriting Senior Cost Analyst $101,588 42%
Underwriter III - Life $92,697 30%
Senior Underwriter - Complex Medical $92,697 30%
Underwriter III - P&C $92,694 30%

Most common benefits for Underwriter - Complex Medical

  • Social Security
  • 401 (k)
  • Disability
  • Healthcare
  • Pension
  • Time Off (days)

Common company salaries for Underwriter - Complex Medical

Here are companies hiring for Underwriter - Complex Medical and their salaries, click below for more details.

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FAQ about Underwriter - Complex Medical

1. Where can an Underwriter - Complex Medical earn the most?

An Underwriter - Complex Medical's earning potential can vary widely depending on several factors, including location, industry, experience, education, and the specific employer. According to the latest salary data by Salary.com, an Underwriter - Complex Medical earns the most in San Jose, CA, where the annual salary of an Underwriter - Complex Medical is $89,934.

2. What is the highest pay for Underwriter - Complex Medical?

The highest pay for Underwriter - Complex Medical is $79,751.

3. What is the lowest pay for Underwriter - Complex Medical?

The lowest pay for Underwriter - Complex Medical is $59,676.

4. What are the responsibilities of Underwriter - Complex Medical?

Responsible for reviewing and analyzing the most complex medical applications for policies like life, disability, or critical illness health insurance. Performs an in-depth evaluation of an applicant's medical history, including a comprehensive review of medical records, detailed health questionnaires, laboratory and imaging results, prescription histories, and/or medical exam findings. Utilizes underwriting guidelines, rules, and standards to accept, reject, or mitigate risk for applications. Recommends and calculates rates and premiums based on findings. Ensures compliance with all industry and governmental regulations. Requires a bachelor's degree. Typically reports to a manager. Occasionally directed in several aspects of the work. Gaining exposure to some of the complex tasks within the job function. Typically requires 2-4 years of related experience.

5. What industry pays the highest salary for Underwriter - Complex Medical?

The Business Services industry offers the highest average compensation for Underwriter - Complex Medical roles, with salaries approximately 25% above the market median.

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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