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XO Health is the first health plan designed by and for self-insured employers that delivers a more unified health experience for everyone – from those who receive care, to those who deliver it, to those who pay for it.
We are growing a multi-disciplinary team of diverse and digitally empowered employees ready to rebuild trust in healthcare through comprehensive and unified transformation.
Risk Solutions Actuarial Associate
About the Role
XO Health is redefining how risk is structured, priced, and managed across self-funded employer health plans and provider partnerships. We’re looking for a quantitatively minded, self-starting early-career actuary to join our Risk Solutions team. This individual will help build and scale the risk backbone of our products, with direct visibility into executive strategy, product development, and risk operations.
In this role, you’ll work across teams to develop pricing models, monitor financial performance, evaluate partner and provider risk, and support strategies that bring clarity, transparency, and predictability to health plan costs. This role will have a front-row seat for our innovative alternative payment model platform, and its impact across our stakeholders
What You'll Do
- 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.
What You Bring
- 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
*XO Health sponsors an Actuarial Study Program to support and cover costs of achieving actuarial credentials
XO Health is an equal opportunity employer committed to diversity and inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to sex (including pregnancy, childbirth or related medical conditions), race, color, age, national origin, religion, disability, genetic information, marital status, sexual orientation, gender identity, gender reassignment, citizenship, immigration status, protected veteran status, or any other basis prohibited under applicable federal, state or local law. XO Health promotes a drug-free workplace.
Skills Required
- 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
- Strong command of healthcare data, including claims, episodes, actuarial values, and stop-loss policies
- Knowledge of value-based care economics
- Ability to build models, synthesize information, and communicate results to diverse audiences
- Proficiency in Excel
- Experience with SQL
- Comfort working in ambiguous, fast-paced, startup-style environments
- Ability to lead cross-functional projects with minimal oversight
- Mission-driven mindset and interest in making healthcare smarter and more sustainable
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What We Do
XCell is a full service digital agency that bridges the gap between design and engineering to take our clients to the next level. We believe in digital media’s power to transform the world, and we create beautiful, seamless experiences that improve users’ lives and leave a lasting legacy. Our design, development, strategy, and consulting capabilities have helped customers in Government, nonprofit, and commercial spaces create sustainable, innovative solutions that transform their user experience.
