Underwriter

Job Description

Salary: $58,600 - $97,600 annually

Location Type: Not Specified

Employment Type: Full Time

Position Overview

Gravie is seeking a technically skilled Underwriter to support the evaluation and pricing of our Comfort health plan and other proprietary, level-funded health insurance products. This role is central to Gravie’s pricing integrity, profitability, and long-term growth strategy. You’ll use Gravie’s proprietary underwriting engine, combined with claims experience, demographic analysis, and utilization trends, to assess group-level risk and generate competitive, data-driven pricing proposals. This includes independently underwriting new business and renewals, applying sound judgment within defined authority limits, and recommending pricing strategies that align with customer needs, market conditions, and Gravie’s financial goals. Beyond day-to-day casework, you’ll act as a key contributor to Gravie’s product positioning—collaborating closely with Sales, Account Management, and Product to drive underwriting best practices and refine plan designs. You’ll have visibility into the broader business strategy and the opportunity to help modernize underwriting within a highly collaborative, tech-forward environment. This role is ideal for someone who is comfortable with complexity, confident working with data, and experienced in pricing level-funded group medical plans.

Responsibilities

• Independently use Gravie’s proprietary underwriting engine to produce and modify rating output for small and mid-sized groups.
• Rate level-funded plans and provide product and pricing with first-level pricing concession and plan design exception authority.
• Apply underwriting guidelines and risk assessment tools to evaluate group health plan risks.
• Communicate rates and plans quoted along with recommendations on strategic positioning of quote or renewal to Sales and Account Management Team offerings.
• Use claims data, demographics, and utilization to make informed pricing decisions.
• Maintain underwriting documentation and compliance with regulations and internal controls.
• Participate in training to develop and enhance knowledge of underwriting methodologies, funding options, products, legislation, competitors, and to ensure compliance with company and departmental policies.

Requirements

• 3–5 years of underwriting experience, with at least 1–2 years working specifically with stop loss and/or level-funded health plans.
• Proven ability to independently underwrite standard and moderately complex cases.
• Bachelor's degree in Business, Finance, Economics, Statistics, Mathematics, Insurance, or other related majors.
• Strong analytical and technical skills.
• The ability to confidently communicate with both internal and external stakeholders.
• Ability to manage multiple priorities and deadlines with minimal supervision.

Extra Credit

• Experience working in a startup or high-growth environment.
• Master’s degree or advanced training in a relevant discipline.
• Professional certification(s), such as HIA, CEBS, MHP, or FLMI.

Company Information

Hi, we’re Gravie. Our mission is to improve the way people purchase and access healthcare through innovative, consumer-centric health benefit solutions that people can actually use. Our industry-changing products and services are developed and delivered by a diverse group of unique people. We encourage you to be your authentic self - we like you that way.

In order to transform health insurance and build a health plan everyone can love, we need talented people doing amazing work. In exchange, we offer a great overall employee experience with opportunities for career growth, meaningful mission-driven work, and an above-average total rewards package.