Underwriter

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 an Underwriter to support 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:

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:

3+ 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, etc.)

Benefits:

Remote company with a fully distributed team – no return-to-office mandates

Flexible vacation policy (and a culture of using it)

Medical, dental, and vision insurance with 100% company-paid employee coverage

401(k) with company match, FSA, and HSA plans

Paid parental leave

Short and long-term disability, as well as life insurance

Competitive stock options are offered to all employees

Transparent compensation & formal career development programs

Paid one-month sabbatical after 5 years

Stipends for setting up your home office and an ongoing learning budget

Direct positive impact on members’ lives – wait until you see the positive feedback members share every day

About Sana Founded in 2017, Sana is a health plan solution built for small and midsize businesses — designed around our integrated primary care service, Sana Care. It’s the foundation of everything we build: ensuring members can easily access high-quality, affordable care while employers and brokers have the tools they need to manage company benefits with confidence. We’ve been remote-first since day one, with a fully distributed team across the U.S. We value curiosity, ownership, and speed — and we build in the open, together. If you’re energized by solving complex, meaningful problems and want to help reshape how healthcare works from the inside out, we’d love to meet you.