Underwriter

About the role

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.

Responsibilities

• 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.
• Independently underwrite new business and renewals, apply sound judgment within defined authority limits, and recommend pricing strategies that align with customer needs, market conditions, and Gravie’s financial goals.
• Collaborate with Sales, Account Management, and Product teams to drive underwriting best practices and refine plan designs.
• Manage a caseload while ensuring work meets performance expectations across turnaround time, productivity, accuracy, pricing integrity, and block profitability.
• 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 comply 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.
• Strong analytical and technical skills.
• The ability to confidently communicate with both internal and external stakeholders.
• Able to manage multiple priorities and deadlines with minimal supervision.

Qualifications

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

Skills

• Comfort with complexity.
• Confident working with data.
• Experienced in pricing level-funded group medical plans.

Benefits

Our unique benefits program includes alternative medicine coverage, flexible PTO, up to 16 weeks paid parental leave, paid holidays, a 401k program, transportation perks, education reimbursement, and 2 days of paid paw-ternity leave.

Pay

$58.6K - $97.6K