Devoted Health
Devoted Health
Devoted Health ir veselības aprūpes un veselības apdrošināšanas uzņēmums, kas koncentrējas uz Medicare Advantage plāniem. Tā piedāvājums apvieno medicīnisko apdrošināšanu ar papildu priekšrocībām, piemēram, zobārstniecības aprūpi, redzes aprūpi, sporta zāles abonementiem un recepšu medikamentiem. Uzņēmums uzsver arī biedru atbalstu, palīdzot viņiem izprast savu apdrošināšanas segumu, pārvaldīt veselības aprūpes vajadzības un izmantot pieejamos pakalpojumus. Devoted Health darbība aptver veselības apdrošināšanu un labbūtību, koncentrējoties uz to, lai priekšrocību izmantošana būtu vienkāršāka un tiktu atbalstītas biedru veselības un finansiālās vajadzības.

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.

Apraksts

  • 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.

Prasības

  • 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.

Priekšrocības

  • 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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