Actuary

Hinge Health • San Francisco, CA

7d

About The Position

Imagine being the actuarial voice that turns clinical innovation into undeniable financial value. As Hinge Health scales from a wellness benefit to a medical insurance product with value-based care at its core, you'll be the critical bridge between our Clinical Research, Finance, and Commercial teams—positioning the economic value of our digital MSK solutions in a way that wins over the most skeptical health plan actuaries and secures millions in "at-risk" contracts.
You'll serve as the primary subject matter expert in high-stakes negotiations with BUCA plans, ACOs, and Integrated Health Systems, defending our ROI methodologies and designing the financial frameworks that enable Hinge Health to participate in shared-risk arrangements—ultimately expanding access to care for millions.

Requirements

• Bachelor's Degree in Actuarial Science
• 8-10+ years of experience in health insurance, specifically with claims data analysis, pricing, and underwriting
• Deep expertise in Medicare Advantage (MA), Fully Insured, and ASO financial models
• Proven ability to translate complex actuarial concepts for non-technical audiences and influence senior stakeholders

Nice To Haves

• Fellow of the Society of Actuaries (FSA) and Member of the American Academy of Actuaries (MAAA)
• Direct experience working with large payer organizations (e.g., Optum, UHG, Anthem, BCBS plans)
• Proficiency in financial modeling (Excel) and data analysis tools; familiarity with healthcare data warehouses (e.g., Databricks) and claims datasets
• Experience with AI tools (e.g., Claude Code) or willingness to develop AI-assisted workflows

Responsibilities

• Establish yourself as the go-to actuarial SME for the Commercial team by participating in 3-5 finalist meetings with prospective health plans
• Audit and refine our current Business Case Analysis (BCA) framework to ensure it reflects best-in-class actuarial standards
• Build relationships with key stakeholders across Clinical Research, Finance, Customer Success, and Sales to understand how actuarial insights can accelerate deals
• Lead methodology negotiations with at least two major health plan actuarial teams, securing agreement on ROI validation frameworks that protect Hinge Health's interests while building client trust
• Model financial risk for "at-risk" contracts, establishing reserves and pricing structures for shared-savings arrangements
• Deliver customized BCAs for high-priority prospects using claims data, Book of Business benchmarks, and external trend data—directly contributing to closing deals worth $5M+ in ARR
• Own the actuarial strategy for Hinge Health's transition to value-based care, designing risk-transfer models and VBC contracting terms that balance growth with financial prudence
• Standardize our Enhanced Claims Data Analysis (CDA) process, establishing data requirements and analytical frameworks that prove hard-dollar savings to our largest clients
• Create and deliver "VBC 101" and "Actuarial Playbook" educational content, upleveling the Commercial and Customer Success teams' ability to speak credibly about financial outcomes
• Represent Hinge Health at industry conferences (e.g., SOA Health Conference), positioning the company as a thought leader in digital health economics

Benefits

• Inclusive healthcare and benefits: On top of comprehensive medical, dental, and vision coverage, we offer employees and their family members help with gender-affirming care, tools for family and fertility planning, and travel reimbursements if healthcare isn't available where you live.
• Planning for the future: Start saving for the future with our traditional or Roth 401k retirement plan options which include a 2% company match.
• Modern life stipends: Manage your own learning and development with a yearly stipend to invest in your growth.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Number of Employees: 501-1,000 employees