Devoted Health
Devoted Health
Devoted Health एक स्वास्थ्य सेवा और स्वास्थ्य बीमा कंपनी है, जो मेडिकेयर एडवांटेज योजनाओं पर केंद्रित है। इसकी योजनाओं में चिकित्सा कवरेज के साथ दंत चिकित्सा, चश्मे, जिम सदस्यता और प्रिस्क्रिप्शन दवाओं जैसी अतिरिक्त सुविधाएँ शामिल हैं। कंपनी सदस्य सहायता पर भी ज़ोर देती है और लोगों को अपने कवरेज को समझने, स्वास्थ्य संबंधी ज़रूरतों को संभालने तथा उपलब्ध सेवाओं तक पहुँचने में मदद करती है। Devoted Health का काम स्वास्थ्य बीमा और कल्याण के क्षेत्रों तक फैला हुआ है, जिसका उद्देश्य सुविधाओं का उपयोग आसान बनाना और सदस्यों की स्वास्थ्य व वित्तीय ज़रूरतों का समर्थन करना है।

Senior Commercial Pricing Actuary – Devoted Health (Remote, U.S.)

Lead commercial health insurance pricing, rating models, underwriting strategy, and state rate filings at Devoted Health. Guide compliant, financially sound products through actuarial leadership and cross-functional partnership.

विवरण

  • Lead strategy, modeling, and financial execution for Commercial lines, including Group and Self-Funded/ASO business.
  • Develop and maintain scalable actuarial rating models and pricing engines for Commercial Large Group products.
  • Work with product, clinical, and market leaders to price competitive benefit packages.
  • Set, support, and document pricing assumptions for manual rates, age and gender factors, area factors, trend projections, administrative expenses, and margin targets.
  • Help shape group underwriting policies and risk selection strategies.
  • Oversee actuarial work for complex quotes, experience rating formulas, and credibility methods.
  • Develop and maintain pricing methods for ASO products, employer-specific fees, and stop-loss or reinsurance options.
  • Track group risk profiles, employer renewals, and adverse selection trends.
  • Lead preparation, documentation, and submission of annual and quarterly Commercial rate filings to state insurance departments and other regulators.
  • Act as the primary actuarial contact for regulators during rate reviews.
  • Address regulatory objections, actuarial questions, and public comments in support of rate approvals.
  • Oversee ACA pricing requirements, including HHS-HCC risk adjustment, MLR rebates, state rate caps, and the No Surprises Act.
  • Partner with Finance, Healthcare Economics, Sales and Distribution, Network Management, and Clinical Operations.
  • Present rate filing strategies, portfolio rate impacts, and margin projections to executives.

आवश्यकताएँ

  • At least 8 years of progressive experience in healthcare actuarial work.
  • At least 5 years focused on Commercial actuarial pricing, rating model development, and regulatory rate filings.
  • Experience building rating engines from the ground up or substantially upgrading pricing tools.
  • Proficiency in actuarial modeling and data work using SQL, Python, R, or SAS.
  • Direct experience managing the full Commercial rate filing lifecycle through SERFF.
  • Experience handling state regulatory rate reviews and obtaining approvals on schedule.
  • Hands-on experience partnering with underwriting teams or establishing their guidelines.
  • Experience with rating methods and portfolio performance tracking.
  • Track record of delivering complex, time-sensitive filings and pricing projects on schedule.
  • Strong interpersonal and cross-functional collaboration skills.
  • Ability to explain complex actuarial concepts as clear strategic choices for non-actuarial partners.
  • ASA or FSA and MAAA designations are valued but optional.
  • Experience working with reserving, value-based contracting, or medical economics functions.
  • Comfort working in a fast-paced, high-growth environment.
  • Formal degrees and certifications are not required; equivalent practical expertise and demonstrated results are accepted.

लाभ

  • Employer-sponsored health, dental, and vision coverage with low or no premiums.
  • Generous paid time off.
  • $100 monthly mobile or internet stipend.
  • Stock options for all employees.
  • Bonus eligibility for roles below Director level.
  • Commission eligibility for Sales roles.
  • Parental leave program.
  • 401(k) program.

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