• Evaluate and analyze health insurance applications to determine the risk they pose, helping to set premium rates that are both fair and competitive. • Interpret and analyze underlying claims experience to inform underwriting decisions and policy adjustments. • Work closely with sales teams to develop competitive insurance products and strategies, ensuring alignment with company goals and client needs. • Assist in the development of insurance policies or suggest changes to existing policies that balance the needs of market with the risk to the insurance company. • Stay updated with changes in legislation and regulations that may affect the product design and underwriting considerations. • Maintain accurate and detailed records of policies underwritten and decisions made, tracking concessions and experience. • Coordinate with brokers and agents to gather additional information or to explain underwriting decisions.

• Manage program financial and membership reconciliations and monitor developing program experience. • Peer review forecasts of program experience (both claims cost and CMS revenue), BNP modeling, and the monitoring of historical experience. • Evaluate drivers of program performance and communicate results to the leadership team and internal stakeholders. • Analyze CMS standard reporting files such as MMR, MOR, etc. to forecast risk adjustments and CMS revenue. • Create internal performance benchmarks and assist in actuarial process and capability development. • Serve as a subject matter expert in Medicare Advantage programs, specific to the kidney care space.

Title: Principal Actuary Location: Remote, United States Department: Sales Who we are Founded in 1999, Quantum Health is a privately-owned, independent healthcare navigation organization. As the company that invented healthcare navigation, Quantum Health continues to set the standard and, in 2025, acquired the leading healthcare technology company, Embold Health. This further strengthens the AI and provider search capabilities, guiding members to the right care. Together, the teams lead the industry in healthcare navigation, simplifying care journeys, improving outcomes, and controlling rising costs for organizations of all sizes. This role supports the Embold Health division. We’re committed to building diverse and inclusive teams across our organization, so if you’re excited about this position, we encourage you to apply – even if your experience doesn’t match every requirement. About the role We are looking for a hands-on Principal Actuary who can quantify the financial "alpha" created by the intersection of plan design and high-quality care and translate that into product, pricing, and market strategy. We have recently created the Emerging Growth Unit – a new, CEO and board-directed, high-impact business unit, focused exclusively on bringing high impact innovation and next generation solutions to market to drive growth across Quantum and Embold. The first product the Emerging Growth Unit is launching is Embold Edge: the first national quality-driven health plan designed to help employers and health plans reduce healthcare costs by influencing decisions at the most important moment in a member’s care journey - choosing a provider. Led by Daniel Stein, the Chief Strategy Officer at Quantum Health and the President of Embold Health, the Emerging Growth Unit is uniquely positioned to harness the combined strengths of Quantum and Embold – including best-in-class provider quality analytics, industry-leading navigation, top-tier member and provider engagement, newly built AI and digital capabilities, and virtual primary care – to create and introduce differentiated solutions that drive meaningful improvements in cost and quality across the industry. We value deep healthcare expertise and a commitment to improving a complex system from within. We also recognize that meaningful change doesn’t happen in isolation, so collaboration is core to how we operate – partnering closely with leading employers and health plans to bring new solutions to the market. This is a fast-moving, highly collaborative environment, where ideas quickly become action, and where you will shape strategy, solutions, and outcomes from the ground up. If you are energized by innovation, thrive in fast-paced environments, and want to help drive the organization’s future growth while advancing meaningful change across healthcare, we would love to hear from you. Location: This position is located at our Nashville, TN office with hybrid flexibility or may work remotely anywhere in the United States of America. What you’ll do (Essential Responsibilities) - Architect the Savings Engine: Advance the foundational actuarial models for Embold Edge that link physician quality to tangible medical cost reduction. - External Market Authority: Act as the technical face of Embold Edge. You will engage with health plan actuaries, consultants, and other external stakeholders to validate our savings methodology and actuarial assumptions. - Reporting Savings: You will work with Client Success and Client Reporting teams to develop quarterly and annual client deliverables and identify key program value levers and opportunities for improvement. - Publication: Partner internally and external parties to publish program performance and contribute to the broader dialogue in the actuarial and employee benefits/HR community. - Alternative Health Plan (AHP) Strategy: Design innovative financial structures for our health plan partners, including risk-sharing, performance-based pricing, and surplus-sharing models that reward quality. - Rapid Prototyping: Work directly with the leadership across organizations to iterate on "next generation" solutions. You must be able to model outcomes for new products that don't have decades of legacy data. - All other duties as assigned. What you’ll bring (Qualifications) - Credentialed Actuary: ASA or FSA required. - Healthcare Modernizer: 7+ years of experience in healthcare actuarial roles. You must understand how traditional plans work so you can articulate exactly why Embold Edge is better. - High Stakes Communication: Experience presenting to executive-level audiences (CFOs, CEOs, Board members). You can hold your own in a debate about trend, IBNR, and risk adjustment while staying focused on the growth mission. - Collaboration Effectiveness: Demonstrated ability to drive cross-functional work forward in a fast-moving, complex organization through strong judgment, communication, and emotional intelligence. - Data Fluency: Mastery of SQL and statistical modeling (Python/R) to extract insights from large-scale claims and provider data sets. - Speed & Agility: Experience in a high-growth or "unit-based" environment where speed to market and iterative design are valued over rigid corporate cycles. - A high degree of personal accountability and trustworthiness, a commitment to working within Quantum Health’s policies, values and ethics, and to protecting the sensitive data entrusted to us. Preferred Qualifications - Experience in healthcare actuarial roles such as pricing, forecasting, product strategy, provider economics, network strategy, value-based care, or consulting. - Direct experience with Alternative Health Plans, narrow networks, steerage models, or other innovative health plan structures. - Ability to translate actuarial methods into clear, credible narratives for external stakeholders, including clients, consultants, and health plan partners. - Interest in improving healthcare quality, affordability, and decision-making through data-driven product innovation. -- #LI-AT1 #LI-Onsite #LI-Hybrid #LI-Remote What’s in it for you - Compensation: Competitive base and incentive compensation - Coverage: Health, vision and dental featuring our best-in-class healthcare navigation services, along with life insurance, legal and identity protection, adoption assistance, EAP, Teladoc services and more. - Retirement: 401(k) plan with up to 4% employer match and full vesting on day one. - Balance: Paid Time Off (PTO), 7 paid holidays, parental leave, volunteer days, paid sabbaticals, and more. - Development: Tuition reimbursement up to $5,250 annually, certification/continuing education reimbursement, discounted higher education partnerships, paid trainings and leadership development. - Culture: Recognition as a Best Place to Work for 15+ years, dedication to diversity, philanthropy and sustainability, and people-first values that drive every decision. - Environment: A modern workplace with a casual dress code, open floor plans, full-service dining, free snacks and drinks, complimentary 24/7 fitness center with group classes, outdoor walking paths, game room, notary and dry-cleaning services and more! What you should know - Internal Associates: Already a Healthcare Warrior? Apply internally through Jobvite. - Process: Application > Phone Screen > Online Assessment(s) > Interview(s) > Offer > Background Check. - Diversity, Equity and Inclusion: Quantum Health welcomes everyone. We value our diverse team and suppliers, we’re committed to empowering our ERGs, and we’re proud to be an equal opportunity employer . - Tobacco-Free Campus: To further enable the health and wellbeing of our associates and community, Quantum Health maintains a tobacco-free environment. The use of all types of tobacco products is prohibited in all company facilities and on all company grounds. - Compensation Ranges: Compensation details published by job boards are estimates and not verified by Quantum Health. Details surrounding compensation will be disclosed throughout the interview process. Compensation offered is based on the candidate’s unique combination of experience and qualifications related to the position. - Sponsorship: Applicants must be legally authorized to work in the United States on a permanent and ongoing future basis without requiring sponsorship. - Agencies: Quantum Health does not accept unsolicited resumes or outreach from third-parties. Absent a signed MSA and request/approval from Talent Acquisition to submit candidates for a specific requisition, we will not approve payment to any third party. Reasonable Accommodation: Should you require reasonable accommodation(s) to participate in the application/interview/selection process, or in order to complete the essential duties of the position upon acceptance of a job offer, click here to submit a recruitment accommodation request. Recruiting Scams: Unfortunately, scams targeting job seekers are common. To protect our candidates, we want to remind you that authorized representatives of Quantum Health will only contact you from an email address ending in @quantum-health.com. Quantum Health will never ask for personally identifiable information such as Date of Birth (DOB), Social Security Number (SSN), banking/direct/tax details, etc. via email or any other non-secure system, nor will we instruct you to make any purchases related to your employment. If you believe you’ve encountered a recruiting scam, report it to the Federal Trade Commission and your state’s Attorney General.

Role Description We are seeking an Associate – Actuary to join Augment Risk. This role offers strong exposure to both the analytical and transactional sides of the business, with a focus on structuring and placing reinsurance programmes and delivering efficient capital outcomes for clients. You will work closely with brokers and clients, supporting deal execution while contributing to portfolio analysis, pricing, and strategic advisory. The role also provides the opportunity to support the development of internal models, tools, and the broader technology strategy, while mentoring junior team members. Key Responsibilities: - Support the structuring and placement of reinsurance programmes, focusing on optimal and efficient capital solutions for clients - Analyse client portfolios to inform pricing, structuring, and strategic recommendations - Prepare clear, concise, and high-quality analytical materials for client discussions and market engagement - Collaborate with brokers, clients, and reinsurers to execute transactions and respond to queries in a timely manner - Provide insights on portfolio performance and support ongoing client advisory work - Contribute to the development and enhancement of actuarial models and analytical tools - Support the development of the team’s technology and data strategy - Manage, mentor, and develop junior analysts, including reviewing work and supporting their technical and professional growth - Support ad hoc analytical and strategic projects as required Qualifications - Minimum 5 years’ experience in actuarial or related analytical roles within the reinsurance/insurance space - Strong analytical and problem-solving skills, with high proficiency in Excel and PowerPoint essential - Progression through actuarial exams is highly desirable - Strong programming skills (e.g., Python, SQL, or similar) desirable - Understanding of reinsurance structures, pricing, and capital management is advantageous - Excellent communication skills, with the ability to present complex information clearly and concisely - Ability to manage multiple projects simultaneously with strong attention to detail - Collaborative mindset with the ability to work effectively across internal and external stakeholders - Experience mentoring or supporting junior team members is a plus Benefits - Opportunity to be inventive and innovative, challenging industry norms - Work in a multi-disciplinary environment, collaborating closely with talented individuals within a flat structure - Trusted and encouraged to take ownership and accountability - Work from anywhere approach, with globally distributed colleagues and clients - Equity offered to all employees to share in the value created - Employee benefits designed to look after our people and their loved ones - Equal opportunity employer, celebrating diversity and committed to creating an inclusive environment