Remote Small-Group Health Underwriter

Sana; United States; On-site; USD 85,000 - 115,000; Full time

Benefits offered by this job

Remote team

Flexible vacation

Medical insurance

Dental insurance

Vision insurance

401(k) match

Disability insurance

Life insurance

Stock options

Career development

Sabbatical

Home office stipend

Learning budget

Parental leave

Job summary

Sana is seeking an Underwriter to support new business underwriting for small group level-funded products. You’ll balance profitability with compelling offers, working with Sales, Actuarial, and Product to evaluate risk and price appropriately.

Ideal candidates have 3+ years in underwriting, strong knowledge of health pricing, and comfort taking calculated risks in a fast-evolving startup. Remote-first team across the U.S. is offered.

Qualifications

• 3+ years of underwriting experience, ideally with small groups and/or level-funded products.
• Strong understanding of health insurance pricing, risk assessment, and underwriting guidelines.
• Comfortable taking calculated risks to support business goals in a fast-evolving startup environment.
• Excellent communicator with the ability to explain underwriting decisions to non-technical stakeholders.
• Highly collaborative and proactive—able to build strong working relationships across Sales, Actuarial, and beyond.

Responsibilities

• Evaluate employer group risk and determine appropriate pricing for level-funded plans.
• Collaborate with Sales to craft competitive proposals and win business without compromising profitability.
• Analyze risk factors and make informed, data-driven decisions—balancing risk tolerance with growth goals.
• Help design and refine underwriting guidelines, processes, and tools as we scale.
• Partner cross-functionally with Product, Actuarial, and Customer Success to continuously improve the end-to-end experience.
• Monitor underwriting outcomes and market dynamics to inform ongoing pricing and risk strategies.

Skills

Underwriting

Pricing

Risk assessment

Data analysis

Excel

Communication

Collaboration

Startup experience

Tools

Underwriting software

Analytics tools

Job description

Sana is seeking an Underwriter to support new business underwriting for small group level-funded products. You’ll balance profitability with compelling offers, working with Sales, Actuarial, and Product to evaluate risk and price appropriately.

Ideal candidates have 3+ years in underwriting, strong knowledge of health pricing, and comfort taking calculated risks in a fast-evolving startup. Remote-first team across the U.S. is offered.