Risk Solutions Actuarial Associate

Summary

Join XO Health, a company revolutionizing self-insured employer health plans, as a Risk Solutions Actuarial Associate. You will contribute to building and scaling the risk backbone of their products, working across teams to develop pricing models, monitor financial performance, and evaluate partner and provider risk. This role offers direct visibility into executive strategy and significant impact on the company's innovative alternative payment model platform. You will support and develop actuarial modeling, manage stop-loss and reinsurance strategies, advance high-cost claim strategies, and support reporting and communications on financial performance. The ideal candidate will have experience in healthcare analytics and actuarial modeling, be within two years of achieving ASA credentials, and possess strong data analysis and communication skills. XO Health sponsors an Actuarial Study Program to assist with credentialing.

Requirements

• 2+ years of experience in healthcare analytics, actuarial modeling, pricing, or financial strategy in a payer, MGU, stop-loss carrier, or provider setting
• Within two years of achieving ASA credentials* (required)
• Strong command of healthcare data (claims, episodes, actuarial values, stop-loss policies) and value-based care economics
• Demonstrated ability to build models, synthesize information, and communicate results to diverse audiences — proficiency in Excel a must, experience with SQL a plus
• Comfortable with ambiguity and fast-paced, startup-style environments
• Proven ability to lead cross-functional projects with minimal oversight
• Mission-driven mindset and excitement to make healthcare smarter and more sustainable

Responsibilities

• Support and develop the actuarial modeling behind XO’s risk-sharing and value-aligned models , including provider performance pricing and evaluation, employer pricing, and financial insight into risk-based contracts
• Manage XO Health’s stop-loss and reinsurance strategy , including product design for small and mid-market employers, provider risk strategies, pricing input, partner management, and performance tracking, across both employers and Providers. Support RFPs and maintain relationships with MGUs, captives, and carriers to help external partners evaluate and price XO’s unique model
• Advance XO’s differentiated high-cost claim strategy, leveraging our unique position across both employers and providers to manage risk more proactively and equitably. This includes developing analytics and interventions that span clinical, financial, and contractual levers
• Support reporting and communications on financial performance, risk solutions, pricing strategy, and model assumptions for both internal and external stakeholders, including executive team and advisory and corporate boards
• Own end-to-end execution of cross-functional initiatives, working with teams across analytics, finance, commercial, clinical, and provider strategy to build scalable, tech-enabled pricing and risk capabilities

Benefits

*XO Health sponsors an Actuarial Study Program to support and cover costs of achieving actuarial credentials