Impress employers and recruiters.
Choose from hundreds of resume examples.

Target Resume Now

About the Role

Curative is seeking an Actuary to own the pricing of the company's ASO (self-funded) product line, focusing on employer stop loss pricing. This role is central to quoting, renewing, reserving, and reporting for the self-funded block, involving end-to-end actuarial responsibilities from manual and experience rating to state rate filings. The position requires close collaboration with Underwriting, Sales, Account Management, Finance, and Operations, as well as state regulators, to drive growth and profitability.

Responsibilities

Own specific and aggregate stop loss pricing for Curative’s self-funded ASO groups
Maintain and enhance the stop loss rating methodology, including trend, credibility standards, group-size risk load, expected loss ratio targets, and retention build-up
Price new business and renewal quotes across all plan options, communicating rate rationales directly to Underwriting and Sales Teams
Manage end-to-end ASO pricing models, continuously updating core inputs, network blends, administration, and specialty rider pricing
Conduct experience studies for the self-funded block, evaluating large claims, leveraged trends, credibility, and actual-vs-expected stop loss performance
Manage state stop loss rate filings and actuarial certifications, ensuring compliance with state regulations and Actuarial Standards of Practice
Partner with Underwriting to refine stop loss underwriting guidelines, eligibility rules, and claim review procedures while providing final peer review and technical validation
Support settlement and experience-refund reporting, renewal strategy, and executive reporting on stop loss and ASO financial metrics
Mentor junior actuarial staff and provide technical review of their work
Performs other projects and duties in support of the company as required

Requirements

Working knowledge of self-funded/ASO plan mechanics and employer stop loss coverage, including specific and aggregate structures, attachment points and corridors, contract basis, pooling, lasering, and terminal liability
Strong technical grounding in excess-layer pricing: claim probability distributions, leveraged trend, credibility, and risk/contingency margin
Strong analytical skills and creative problem-solving abilities with attention to detail
Advanced Excel modeling skills; able to build, audit, and document a multi-tab rating model
Ability to translate and effectively communicate results and implications of actuarial, data, financial, and underwriting analyses to non-actuarial partners, executives, and regulators
Ability to effectively coordinate and manage matrix stakeholders to execute on projects and priorities
Capable of independently driving multiple projects and workstreams
Excellent organizational and time management skills

Skills

Excel modeling
Data analysis
SQL
Python
R

Location

Remote

Work Type

Remote
Full-time

Experience Level

Three or more years of health actuarial experience, including hands-on experience pricing or reserving employer medical stop loss and self-funded (ASO) business

Education Level

Bachelor’s degree in mathematics, statistics, actuarial science, finance, economics, business, computer science or related degree
Associate of the Society of Actuaries (ASA) designation required
Fellow (FSA) and Member of the American Academy of Actuaries (MAAA) preferred
Candidates who meet the U.S. Qualification Standards to sign actuarial certifications in support of rate filings are strongly preferred

Benefits

Curative Health Plan (100% employer-covered medical premiums for you and 50% coverage for dependents on the base plan.)
$0 copays and $0 deductibles (with completion of our Baseline Visit)
Preventive and primary care built in
Mental health support (Rula, Televero, Two Chairs, Recovery Unplugged)
One-on-one care navigation
Chronic condition programs (diabetes, weight, hypertension)
Maternity and family planning support
24/7/365 Curative Telehealth
Pharmacy benefits
Comprehensive dental and vision coverage
Employer-provided life and disability coverage with additional supplemental options
Flexible spending accounts
Flexible arrangements to work remotely
Generous PTO policy plus 11 paid annual company holidays
401K for full-time employees
Generous Up to 8–12 weeks paid parental leave, based on role eligibility.

About the Company

Curative is building the future of health insurance with a first-of-its-kind employer-based plan designed to remove financial barriers and make care truly accessible: one monthly premium with $0 copays and $0 deductibles*. Backed by our recent $150M in Series B funding and valuation at $1.275B, Curative is scaling rapidly and investing in AI-powered service, deeper member engagement, and a smart network designed for today’s workforce.
Our north star guides everything we do: healthcare only works when people can actually use it. That belief drives every decision we make: from how we design our plan, support our members, to how we collaborate as a team.
If you want to do meaningful work with a team that moves fast, experiments boldly, and cares deeply, Curative is the place to do it. We’re growing fast and looking for teammates who want to help transform health insurance for the better.