Senior Underwriter

Sana’s vision is simple yet bold: make healthcare easy.

We all know navigating healthcare in the U. S. is confusing, costly, and frustrating — and our members are used to feeling that pain. That’s why we’re building something different: affordable health plans designed around Sana Care, our integrated care model connecting members with unlimited primary care and expert care navigation at no additional cost to them.

Whether it’s a quick prescription refill or guidance through a complex medical journey, Sana Care makes it feel effortless to get the right care at the right time. And for employers and brokers, we’ve built intuitive tools to make managing health benefits just as seamless.

If you love solving hard problems that make people’s lives easier, come build with us.

We’re looking for a Senior Underwriter for our small group level-funded product. This role is critical to balancing profitable growth with competitive, compelling offers to prospects and renewal quotes for current customers. You’ll be collaborating closely with our Revenue, Actuarial, and Product/Engineering teams to evaluate risk, price appropriately, and generally move the needle forward in our small group underwriting.

What you will do:

Support underwriting operations for new and renewing business in the small group health segment

Evaluate an employer’s group health plan risk and determine appropriate pricing for level-funded plans while collaborating closely with Revenue to win new business through intelligent risk taking.

Manage/assist the renewal process via renewal quote development with accurate projections and proprietary pricing strategies. Use data from claims, risk assessments, and historical performance to drive pricing decisions to balance persistency and profitability.

Help design and refine underwriting guidelines, processes, and tools as we scale.

Provide underwriting guidance to Revenue and other internal teams as needed. Explain funding mechanics, underwriting levers, and market shifts that impact pricing.

Help ensure alignment on quote and renewal delivery timelines.

Partner cross-functionally with Product, Actuarial, and Revenue to continuously improve the end-to-end underwriting experience

Monitor underwriting outcomes and market dynamics to inform ongoing pricing and risk strategies

About you:

4+ years of underwriting experience, ideally with a focus on small groups and/or level-funded products

Strong data analysis skills (Excel, SQL, Mode, Tableau, etc.)

Excellent understanding of health insurance pricing, risk assessment, and underwriting best practices

Comfortable taking calculated risks to support business goals, especially in a fast-evolving startup environment

Experience working at a PEO, carrier, TPA, or insurtech start-up focused on the small group market is a plus.

Outstanding communication skills in person, over the phone, in writing, via email, chat, carrier pigeon, etc.

Unparalleled attention to detail. You love getting into the weeds to get things done.

Gritty. You’re willing to jump into any of the team’s work and support. We’re a small team and sometimes when a few of us are out, we all need to help fill in for each other.

You are mission-driven. You care about making our healthcare system work better for people and business owners

You ask questions from a place of genuine curiosity and humility

You assume positive intent and meet your teammates with compassionate candor to solve problems together

You remain flexible, resilient, and foster a culture of continuous learning even in the face of hardship.

You bring a bias for action paired with intelligent risk-taking

You follow through on your commitments and foster trust with your colleagues.

Benefits:

Remote company with a fully distributed team – no return-to-office mandates

Flexible vacation policy (and a culture of using it)

Medical, dental, and vision insurance with 100% company-paid employee coverage

401(k), FSA, and HSA plans

Paid parental leave

Short and long-term disability, as well as life insurance

Competitive stock options are offered to all employees

Transparent compensation & formal career development programs

Paid one-month sabbatical after 5 years

Stipends for setting up your home office and an ongoing learning budget

Direct positive impact on members’ lives – wait until you see the positive feedback members share every day

$115,000 – $145,000 a year

Our cash compensation amount for this role is targeted at $115,000 – $145,000 per year for all US-based remote locations. Final offer amounts are determined by multiple factors, including candidate experience and expertise and may vary from the amounts listed above.

Founded in 2017, Sana is a health plan solution built for small and midsize businesses — designed around our integrated primary care service, Sana Care. It’s the foundation of everything we build: ensuring members can easily access high-quality, affordable care while employers and brokers have the tools they need to manage company benefits with confidence.