Underwriter

Hi, we’re Gravie. Our mission is to create health benefits that actually benefit small and midsize businesses and their employees. Our innovative benefit solutions 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:

• Manage a caseload while ensuring your 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 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 majors.
• Strong 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.

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 clients love us. Customer satisfaction rates among employees using Gravie health plans consistently rank above 80% – nearly 40 points above the industry average.

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.

Benefits

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, transportation perks, education reimbursement, and 2 days of paid paw-ternity leave.

Job Applicants

If you apply for employment with Gravie, personal information collected via our applicant tracking vendor is subject to our standalone California Job Applicant Notice at Collection, accessible directly within the application workflow and separate from this Policy.