Actuary- Stop Loss & ASO Pricing

About Curative

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 todays 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. Were growing fast and looking for teammates who want to help transform health insurance for the better.

SUMMARY
We are seeking an Actuary to own the pricing of Curatives ASO (self-funded) product line with primary focus on employer stop loss pricing - both specific (individual) and aggregate. Stop loss is sold exclusively bundled with Curatives ASO/self-funded plan so this role sits at the center of how the self-funded block is quoted renewed reserved and reported. You will own the actuarial mechanics end to end: manual and experience rating credibility trend risk load and retention build-up attachment-point and corridor structures monthly IBNP valuation of the stop loss layer and the state rate filings that support the product. This is a highly visible role that pairs technical actuarial ownership with direct matrix relationships across Underwriting Sales Account Management Finance and Operations and with state regulators. You will collaborate closely with these teams to help drive Curatives growth and profitability as the ASO block expands into new states.

PRIMARY RESPONSIBILITIES

• Own specific and aggregate stop loss pricing for Curatives 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

QUALIFICATIONS
To perform this job successfully an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions:

• Working knowledge of self-funded/ASO plan mechanics and employer stop loss coverage
  - 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
• Able 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

EDUCATION and/or EXPERIENCE

• Bachelors degree in mathematics statistics actuarial science finance economics business computer science or related degree
• Three or more years of health actuarial experience including hands-on experience pricing or reserving employer medical stop loss and self-funded (ASO) business
• 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
• Experience with industry manual rate bases and stop loss factor tables (e.g. Milliman Health Cost Guidelines claim probability distributions and aggregate factors) a plus
• Experience with state health insurance rate filings including SERFF submissions and regulator correspondence a plus
• Experience with IBNR/IBNP estimation and monthly close/reserve reporting a plus
• Knowledge of SQL and relational databases; experience with Python or R for data analysis a plus

Perks & 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 812 weeks paid parental leave based on role eligibility.