Who are we?
Howden is a global insurance group with employee ownership at its heart. Together, we have pushed the boundaries of insurance. We are united by a shared passion and no-limits mindset, and our strength lies in our ability to collaborate as a powerful international team comprised of 24,000 employees spanning over 56 countries.
People join Howden for many different reasons, but they stay for the same one: our culture. It’s what sets us apart, and the reason our employees have been turning down headhunters for years. Whatever your priorities – work / life balance, career progression, sustainability, volunteering – you’ll find like-minded people driving change at Howden.
Role: Health & Benefits Consultant
Location Type: Hybrid position. Preferred locations include Miami, New York, Tampa, Charlotte, Houston, Dallas, Austin, Boston, Nashville, Washington D.C., San Francisco, Costa Mesa, Los Angeles, and Chicago
About the Role
Howden is seeking a Health & Benefits Consultant to serve as a trusted advisor to clients on employee benefits strategy, plan design, cost management, compliance, and employee wellbeing initiatives. This individual will partner closely with clients, carriers, producers, and internal service teams to deliver strategic guidance and innovative solutions that help organizations attract, retain, and support their workforce.
The ideal candidate combines deep employee benefits expertise with strong consultative skills and the ability to build lasting client relationships. This role provides an opportunity to work with organizations across a variety of industries while helping clients navigate an increasingly complex healthcare and benefits landscape.
Key Responsibilities
Client Consulting & Strategic Advisory
Serve as a primary consultant for clients regarding health and welfare benefit programs.
Advise clients on healthcare cost management strategies, plan design changes, funding arrangements, wellness initiatives, and employee engagement programs.
Conduct benefits strategy discussions and annual planning meetings with client leadership teams.
Provide market intelligence and benchmarking on benefit trends, emerging solutions, and carrier developments.
Develop and deliver client presentations related to renewals, plan recommendations, and strategic initiatives.
Benefits Program Management
Lead annual renewal processes including marketing, carrier negotiations, financial analysis, and recommendation development.
Evaluate carrier proposals and prepare detailed analyses comparing costs, plan provisions, and service offerings.
Support implementation of new benefit programs and vendor solutions.
Coordinate with account management and service teams to ensure seamless delivery and client support.
Financial Analysis & Reporting
Analyze healthcare utilization, claims experience, contribution strategies, and funding arrangements.
Develop financial models and projections to support client decision-making.
Review carrier renewals and identify opportunities to optimize program performance and control costs.
Prepare reports, executive summaries, and presentations for client stakeholders.
Compliance & Risk Management
Maintain knowledge of employee benefits regulations and industry developments.
Assist clients with compliance-related matters involving ERISA, ACA, COBRA, HIPAA, and other applicable regulations.
Partner with internal subject matter experts and external resources to address complex compliance questions.
Business Development & Relationship Management
Support producers and business development teams in client retention and growth efforts.
Participate in prospective client meetings and presentations.
Identify opportunities for additional consulting services and cross-functional solutions.
Develop strong relationships with carrier partners and industry contacts.
What Are We Looking For?
Experience
Bachelor's degree or equivalent combination of education and experience.
5+ years of employee benefits consulting,…