Senior Underwriter

Curative HR LLC • Dallas, TX

1d

About The Position

Curative is building the future of health insurance with a first-of-its-kind employer-based plan designed to remove financial barriers and make care truly accessible: one monthly premium with $0 copays and $0 deductibles. Backed by our recent $150M in Series B funding and valuation at $1.275B, Curative is scaling rapidly and investing in AI-powered service, deeper member engagement, and a smart network designed for today’s workforce.

Our north star guides everything we do: healthcare only works when people can actually use it. That belief drives every decision we make: from how we design our plan, support our members, to how we collaborate as a team.

If you want to do meaningful work with a team that moves fast, experiments boldly, and cares deeply, Curative is the place to do it. We’re growing fast and looking for teammates who want to help transform health insurance for the better.

SUMMARY

Curative is reimagining health insurance - with straightforward pricing and $0 out of pocket costs with a baseline visit. Help us create a better healthcare experience for our members by making it easy & intuitive for them to access the care they need. We are seeking a Senior Underwriter to support Curative’s pricing and underwriting processes. This role will interact directly with sales team members, account management, actuaries, and insurance professionals and will be a key contributor as Curative expands and grows. This is an entry level job, no experience necessary, just a willingness to learn.

Requirements

• Analytical skills and creative problem-solving abilities with attention to detail.
• Able to translate and effectively communicate financial models and the results of underwriting analyses.
• Capable of working on multiple projects under tight deadlines.
• Excellent organizational and time management skills.
• Bachelor's degree (B. A.) from four-year college or university; or one to two years related experience and/or training; or equivalent combination of education and experience.
• Experience with excel/google sheets
• 1 to 3 years of health underwriting experience (Midmarket and level funding experience preferred)

Nice To Haves

• Knowledge of SQL queries a plus
• Experience in insurance industry, data analysis or data management a plus

Responsibilities

• Provide final peer review of proposals to ensure accuracy and appropriateness before releasing to executive leadership and Sales
• Manage workflow between Sales and Underwriting to ensure timely delivery of high volume of proposals
• Partner with leadership to refine underwriting guidelines and procedures as Curative continues to expand
• Calculate new business and renewal rates for complex group cases using the template provided based on the analysis of a group’s experience, industry, location, and demographics.
• Mentor junior underwriting team members.
• Collaborate with Sales to determine effective pricing strategies to meet growth and profitability targets
• Develop retrospective reporting to track expected vs actual cost on a group specific level
• Support client contracting and account set up, including validation that terms align with quoted parameters..
• Maintain strong relationships and lines of communication with internal and external stakeholders.
• Work adhering to US regulatory and Quality System requirements (21 CFR 820, etc).
• This position assumes and performs other duties as assigned.

Benefits

• Curative Health Plan (100% employer-covered medical premiums for you and 50% coverage for dependents on the base plan.)
• $0 copays and $0 deductibles (with completion of our Baseline Visit )
• Preventive and primary care built in
• Mental health support (Rula, Televero, Two Chairs, Recovery Unplugged)
• One-on-one care navigation
• Chronic condition programs (diabetes, weight, hypertension)
• Maternity and family planning support
• 24/7/365 Curative Telehealth
• Pharmacy benefits
• Comprehensive dental and vision coverage
• Employer-provided life and disability coverage with additional supplemental options
• Flexible spending accounts
• Flexible work options: remote and in-person opportunities
• Generous PTO policy plus 11 paid annual company holidays
• 401K for full-time employees
• Generous Up to 8–12 weeks paid parental leave, based on role eligibility.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Number of Employees: 11-50 employees