Senior Underwriter

Sana; United States; Remote; USD 110,000 - 120,000; Full time

Job summary

Sana is seeking a Senior Underwriter to co-lead underwriting for its small group level-funded products. This role involves collaborating with sales and actuarial teams, analyzing risk factors, and helping define underwriting guidelines to enhance the healthcare experience for small businesses.

Benefits

Professional development stipend

Flexible vacation

Medical, Dental, and vision insurance

401(k) and HSA plans

Parental leave

Remote worker stipend

Opportunity for career growth

Dynamic start-up environment

Qualifications

• 5+ years of underwriting experience, ideally with focus on small groups or level-funded products.
• Strong understanding of health insurance pricing and risk assessment.
• Comfortable taking calculated risks in a startup environment.

Responsibilities

• Evaluate employer group risk and determine appropriate pricing for level-funded plans.
• Collaborate with Sales to craft competitive proposals.
• Analyze risk factors and make data-driven decisions.

Skills

Risk assessment

Health insurance pricing

Data analysis

Communication

Collaboration

Education

5+ years of underwriting experience

Tools

Excel

SQL

Looker

Job description

4 weeks ago Be among the first 25 applicants

This range is provided by Sana. Your actual pay will be based on your skills and experience — talk with your recruiter to learn more.

Base pay range

$110,000.00/yr - $120,000.00/yr

Sana’s vision is to make healthcare easy.

All of us can agree healthcare is simply too hard in the US. And our members feel that pain day in and day out. We aim to create an experience that simply feels easy when you need to access our healthcare system. If you need something, you know where to go to get it with care that is a click (or as few clicks as possible!) away.

What’s beautiful about a vision oriented toward “easy” is how it imparts a singular feeling. We instinctively know as humans when something is easy versus hard, even if we can’t explain why. We fight as a company to make an easy pathway available to all our members at every stage of their healthcare journey. If you feel passionate about delivering better healthcare to small businesses through a seamless care experience and affordable benefits, join us!

We’re looking for a Senior Underwriter to co-lead new business underwriting for our small group level-funded product. This role is critical to balancing profitable growth with competitive, compelling offers to prospects. You’ll be at the intersection of underwriting strategy and sales execution—collaborating closely with our sales, actuarial, and product teams to evaluate risk, price appropriately, and push the boundaries of what’s possible in small group underwriting.

What you will do:

• Work closely wth our Senior Underwriter to co-lead underwriting operations for new business in the small group (typically 2-100 lives) segment
• 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
  
  
  
  

About you:

• 5+ years of underwriting experience, ideally with a focus on 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, especially 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
• Thrives in ambiguity and brings a continuous improvement mindset to their work
• Experience working at an insurtech, carrier, or TPA focused on the small group market
• Familiarity with underwriting automation tools or systems
• Strong data analysis skills (Excel, SQL, Looker, etc.)
  
  
  
  

Benefits:

• Professional development stipend
• Flexible vacation
• Medical, Dental, and vision insurance
• 401(k) and HSA plans
• Parental leave
• Remote worker stipend
• Opportunity for career growth
• Dynamic start-up environment
  
  
  
  

Our cash compensation amount for this role is targeted at $110,000 - $120,000 base + equity 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.

Seniority level

• Seniority level

  Not Applicable

Employment type

• Employment type

  Full-time

Job function

• Job function

  Finance and Sales

• Industries

  Hospitality, Food and Beverage Services, and Retail

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