Underwriter

Company Vision and Role Overview

Sana aims to simplify healthcare in the US, creating an effortless experience for members to access care with just a few clicks. We are dedicated to making healthcare easy throughout every step of a member's journey. If you are passionate about delivering affordable, seamless healthcare benefits to small businesses, consider joining our team.

Key Responsibilities

• Assess risk profiles of employer groups and set accurate pricing for level-funded health plans.
• Work closely with Sales teams to develop competitive proposals that attract business while preserving profitability.
• Utilize data analysis to balance risk tolerance and growth objectives effectively.
• Contribute to the design and enhancement of underwriting policies, procedures, and tools as the company scales.
• Collaborate cross-departmentally with Product, Actuarial, and Customer Success teams to optimize the underwriting experience.
• Keep track of underwriting results and market trends to refine pricing and risk management strategies continuously.

Candidate Profile

• Minimum of three years underwriting experience, especially with small group or level-funded health insurance products.
• Deep knowledge of health insurance pricing, risk evaluation, and underwriting standards.
• Comfortable making informed risk decisions in a dynamic, startup-style environment.
• Strong communication skills to articulate underwriting outcomes to non-expert stakeholders.
• Collaborative mindset with the ability to build strong relationships across multiple teams.
• Adaptable to ambiguity and dedicated to continuous process improvement.
• Prior experience in insurtech, insurance carriers, or TPAs serving the small group market is preferred.
• Familiarity with underwriting automation technologies.
• Proficient in data analytics tools such as Excel.

Benefits and Culture

• Fully remote work environment with no return-to-office requirement.
• Flexible vacation policy encouraged by company culture.
• Comprehensive medical, dental, and vision insurance fully covered for employees.
• 401(k) retirement plan with company matching contributions, plus FSA and HSA options.
• Paid parental leave and life insurance coverage alongside short and long-term disability benefits.
• Competitive stock options available to all employees.
• Transparent salary structures and structured career advancement programs.
• Paid sabbatical month after five years of service.
• Home office setup stipends and ongoing learning budgets.
• Opportunity to make a meaningful impact on members’ healthcare experiences.

About Sana

Founded in 2017, Sana delivers a health plan solution tailored for small and mid-sized companies, centered on its integrated primary care service, Sana Care. Operating fully remote from inception, Sana fosters curiosity, ownership, and rapid innovation to revolutionize the healthcare industry from within.

Additional Information

Artificial intelligence may be used to assist with application reviews and resume analysis during recruitment but final hiring choices are made by human decision-makers. Compensation for this position ranges from $85,000 to $115,000 base salary annually, plus equity, depending on candidate experience and qualifications.