Health Plan - Actuary Manager

About Curative

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.

POSITION SUMMARY

A Health Plan Actuary Manager applies knowledge of mathematics, probability, statistics, and principles of business to provide technical support for rating/pricing, valuation, reserving, healthcare economics, and/or financial forecasting. In this role, the actuary will assist the Health Plan Actuary build and test new actuarial models, assist with financial statements (including the Statement of Actuarial Opinion), and MLR calculations.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Analyzing financial, statistical, and mathematical data and performing actuarial calculations.
• Create monthly reports to support trend reviews, pricing, forecasting, reserving, and value creation. Build in efficiencies to decrease run time.
• Consult with Tech team on how and what data should be accumulated
• Developing customized pricing and valuation models for the Curative Health Plan in an efficient, scalable, transparent, and accurate manner.
• Identifying and assessing risk in actuarial responsibilities.
• Create reserving process and frequent monitoring to ensure reserve adequacy.
• Collaborating with Finance, Underwriting, Risk Management, and Sales/Marketing teams to ensure models are updated as needed to improve underwriting performance while maintaining adequate reserves.
• Providing actuarial support for internal and external reporting.
• Calculating IBNR/IBNP.
• Building of model enhancements and determining reasons for changes to calculated factors.
• Designing predictive modeling tools to determine focus of future Health Plan wellness and cost-saving initiatives.
• Supporting annual forecasting and budgeting efforts.
• Performing special projects as directed by management including actuarial research, experience studies, and statistical analyses and calculations as required.
• Other projects as assigned

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions:

• Advanced analytical skills and creative problem-solving abilities with an attention to detail.
• Sound knowledge of actuarial techniques and standards.
• Able to translate and effectively communicate financial models and the results of actuarial analyses.
• Capable of working on multiple projects under tight deadlines.
• Excellent organizational and time management skills.
• Commercial awareness with an understanding of broader business issues.

EDUCATION and/or EXPERIENCE

• Minimum of five years of experience in actuarial work with a focus on pricing large group healthcare plans.
• Bachelor’s degree in actuarial science, math, statistics, finance, economics or related field required.
• ASA Designation Required. FSA Designation Preferred.
• Member of the American Academy of Actuaries (MAAA) preferred or ability to join.
• Experience with Excel-based pricing model development and SQL data queries required
• Experience with Python, AI, Git, and predictive analytics strongly preferred.

Perks & 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.