Underwriter

Hi, we’re Gravie. Our mission is to improve the way people purchase and access healthcare through innovative, consumer-centric health benefit solutions that people can actually use. Our industry-changing products and services are developed and delivered by a diverse group of unique people. We encourage you to be your authentic self - we like you that way. A Little More 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. You’ll 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. This includes independently underwriting new business and renewals, applying sound judgment within defined authority limits, and recommending pricing strategies that align with customers needs, market conditions and Gravie’s financial goals. Beyond day-to-day casework, you’ll act as a key contributor to Gravie’s product positioning—collaborating closely with Sales, Account Management, and Product to drive underwriting best practices and refine plan designs. You’ll have visibility into the broader business strategy and the opportunity to help modernize underwriting within a highly collaborative, tech-forward environment. This role is ideal for someone who is comfortable with complexity, confident working with data, and experienced in pricing level-funded group medical plans. You Will:

• 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 compliance 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.

You Bring:

• 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.
• Bachelor's degree in Business, Finance, Economics, Statistics, Mathematics, Insurance or other related majorsStrong analytical and technical skills.
• The ability to confidently communicate with both internal and external stakeholders.
• Ability to manage multiple priorities and deadlines with minimal supervision

Extra Credit:

• 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.

Gravie: In order to transform health insurance and build a health plan everyone can love, we need talented people doing amazing work. In exchange, we offer a great overall employee experience with opportunities for career growth, meaningful mission-driven work, and an above average total rewards package. The salary range for this position is $58,600 - $97,600 annually. Numerous factors including, but not limited to, education, skills, work experience, certifications, etc. will be considered when determining compensation. Our unique benefits program is the Gravy, i.e., the special sauce that sets our compensation package apart. In addition to standard health and wellness benefits, Gravie’s package includes alternative medicine coverage, flexible PTO, up to 16 weeks paid parental leave, paid holidays, a 401k program, cell phone reimbursement, transportation perks, education reimbursement, and 1 week of paid paw-ternity leave. A Little More About Us:·

• We know healthcare. Our company was founded and is still led by industry veterans who have started and grown several market-leading companies in the space.

We have raised money from top tier investors who share the same long-term vision as we do of building an industry defining company that will endure over the long run. We are well capitalized. Our customers like us. Our revenue churn is in the low single digits, in an industry where greater than 20% churn is common. Our culture is unique. We tend to be non-hierarchical, merit-driven, opinionated but kind people who thrive working in a high-performance, fast-paced environment. People at Gravie care deeply about making a positive impact in the lives of the people we serve. We may not be the right place for everybody, but if you get energized by doing work every day that focuses on putting consumers at the front of the line, we could be a great place for you. It takes unique people and diverse perspectives to deliver our results. We encourage you to be your authentic self – we like you that way. Apply tot his job Apply To this Job