高级精算分析师

As a Senior Actuarial Analyst, you will be responsible for quantifying and communicating Included Health's value to our clients by executing complex financial impact modeling and actuarial analysis. This position plays a crucial role within the Actuarial team, reporting through the broader Finance organization. You will partner with cross-functional teams to translate raw healthcare claims and data context into clear insights that demonstrate cost savings, trend impacts, and clinical value.

The base salary range for this full-time position is $103,480 – $135,456 per year in the United States. This posted range reflects the portion of our internal salary band that is currently funded for new hires in this role across our standard labor markets (Zones A–C).

For context, these markets include Zone A (e.g., Phoenix AZ, San Antonio TX, Columbus OH, Charlotte NC), Zone B (e.g., Chicago IL, Denver CO, San Diego CA, Houston TX), and Zone C (e.g., Los Angeles CA, Seattle WA, Washington, D.C., Boston MA). At this time, we are not budgeting for hires in higher-cost Zone D markets (e.g., San Francisco Bay Area CA, New York City NY, San Jose CA) for this role. Within this range, individual pay is determined by work location, skills, experience, and internal equity. We use structured salary bands and geographic zones based on cost of labor to keep pay fair and consistent.

Benefits & Perks:

In addition to receiving a great compensation package, the compensation package may include, depending on the role, the following and more:

• Remote-first culture

• 401(k) savings plan through Fidelity

• Comprehensive medical, vision, and dental coverage through multiple medical plan options (including disability insurance)

• Paid Time Off ("PTO") and Discretionary Time Off (“DTO")

• 12 weeks of 100% Paid Parental leave

• Family Building & Compassionate Leave: Fertility coverage, $25,000 for surrogacy/adoption, and paid leave for failed treatments, adoption or pregnancies.

• Work-From-Home reimbursement to support team collaboration home office work

Your recruiter will share more about the salary range and benefits package for your role during the hiring process.

About Included Health

Included Health is a new kind of healthcare company, delivering integrated virtual care and navigation. We’re on a mission to raise the standard of healthcare for everyone. We break down barriers to provide high-quality care for every person in every community — no matter where they are in their health journey or what type of care they need, from acute to chronic, behavioral to physical. We offer our members care guidance, advocacy, and access to personalized virtual and in-person care for everyday and urgent care, primary care, behavioral health, and specialty care. It’s all included. Learn more at includedhealth.com.

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Included Health is an Equal Opportunity Employer and considers applicants for employment without regard to race, color, religion, sex, orientation, national origin, age, disability, genetics or any other basis forbidden under federal, state, or local law. Included Health considers all qualified applicants with arrest or conviction records in accordance with the San Francisco Fair Chance Ordinance, the Los Angeles County Fair Chance Ordinance, and California law.

Responsibilities:

• Actuarial Analysis: Conduct complex actuarial analyses on the cost of healthcare, including industry trend forecasting and Total Cost of Care (TCOC) impact calculations.

• Methodology Support: Own and maintain the execution of savings and ROI methodologies for one or more product lines, assessing the need for updates and creating parameter estimates for change.

• Subject Matter Expertise: Serve as a subject matter expert on medical/Rx claims data, eligibility structures, and the underlying drivers of healthcare costs.

• Insight Generation: Research and analyze the specific drivers of increased or decreased savings for particular clients or products, translating the data into actionable recommendations.

• Scaling & Automation: Drive report automation and dashboarding projects (e.g., using Looker or Tableau) to scale insight generation and enable other internal teams to self-serve key metrics.

• Code Governance: Write clean, efficient code and participate in team peer reviews with a critical eye and high attention to detail to ensure technical accuracy.

• Documentation & Alignment: Document and maintain savings and ROI methodologies clearly and succinctly for the purpose of client communication, peer knowledge sharing, and future reference.

Qualifications:

• Experience: Minimum of 5 years of related experience in healthcare economics, actuarial science, or quantitative financial analysis.

• Education: Bachelor’s degree in Actuarial Science, Mathematics, Statistics, Economics, or a related quantitative field.

• Actuarial Progress: Completion of at least 1 actuarial exam in pursuit of the ASA or other equivalent designation is preferred.

• Technical Skills: Expert proficiency in SQL and Excel/Google Sheets. Competency or proficiency with Python for data analysis and automation is highly preferred.

• Data Knowledge: Hands-on experience working with various types of raw data, including medical/Rx claims, eligibility data, and product engagement data.

• Communication: Strong written and verbal communication skills, with a demonstrated ability to explain complex technical or economic analyses to peers and stakeholders.

• Tools: Familiarity with business tools such as Looker, Tableau, GitHub, Jira, and Confluence.

Physical/Cognitive Requirements:

• Prompt and regular attendance at assigned work location.

• Capability to remain seated in a stationary position for prolonged periods.

• Eye-hand coordination and manual dexterity to operate keyboard, computer and other office-related equipment.

• Ability to form a plan for execution of a particular analysis or deliverable.

• Attention to detail as applied to analytics requests and code review prior to delivery of results.

• Critical thinking skills and adaptability to changing priorities.