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Junior Actuarial Jobs (NOW HIRING)

Curative HR LLC

Actuary- Stop Loss & ASO Pricing

Austin, TX · On-site

$150K - $190K/yr

  • Medical

  • Dental

  • Vision

  • Retirement

  • PTO

Mentor junior actuarial staff and provide technical review of their work * Performs other projects and duties in support of the company as required QUALIFICATIONS To perform this job successfully, an ...

Milliman

Actuarial Intern

Little Falls, NJ · On-site

$21 - $46/hr

  • Medical

  • Life

  • Retirement

  • PTO

We are specifically seeking a current junior who is pursuing a degree with a focus in mathematics or actuarial science. Previous internship or work experience with an actuarial firm is preferred ...

Symetra

Actuary I - Workforce Benefits Valuation - Remote

$117K - $195K/yr

  • Medical

  • Life

  • Retirement

  • PTO

Commit to self-development, attaining industry knowledge, and passing actuarial exams to achieve actuarial designation. * Provide guidance and mentorship to junior actuaries. Why work at Symetra "I ...

EXOS

Junior Actuary Consultant

Indianapolis, IN

Providing broad actuarial and financial services to support the State's Medicaid agency including Medicaid managed care rate setting, budget forecasting, waiver support, provider reimbursement ...

3M HEALTHCARE

Actuarial Consultant

Bothell, WA · On-site

$110 - $120/hr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

The role involves leading or supporting actuarial work for a portfolio of employee‑benefits clients, mentoring junior staff, and collaborating with specialty teams to deliver client solutions.

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How much do junior actuarial jobs pay per hour?

As of Aug 19, 2026, the average hourly pay for junior actuarial in the United States is $31.04, according to ZipRecruiter salary data. Most workers in this role earn between $25.48 and $34.13 per hour, depending on experience, location, and employer.

What is a junior actuarial?

A Junior Actuarial job is an entry-level position in the actuarial field, typically in insurance, consulting, or finance. Junior actuaries assist in analyzing data, assessing risks, and developing models to predict future financial outcomes. They work under the guidance of experienced actuaries and often start working toward actuarial certifications. Strong mathematical, statistical, and analytical skills are essential for this role. It is a great starting point for those pursuing an actuarial career.

What does a junior actuarial do?

A typical day for a Junior Actuarial professional involves supporting senior actuaries by gathering and analyzing data, preparing reports, and building or updating actuarial models. You might work on projects such as pricing insurance products, assessing risk, or assisting with financial forecasting. Much of the work is collaborative, requiring regular communication with team members in actuarial, finance, and IT departments. There is also ongoing learning, including studying for actuarial exams and attending training sessions to develop your technical skills. This dynamic environment provides valuable exposure to both routine tasks and new challenges as you develop in your actuarial career.

What skills and qualifications are needed for a junior actuarial?

To thrive as a Junior Actuarial, you need strong analytical and mathematical skills, a bachelor's degree in mathematics, statistics, or a related field, and progress toward actuarial exams. Familiarity with statistical software, spreadsheet tools like Excel, and actuarial modeling systems is typically required. Attention to detail, effective communication, and teamwork are key soft skills that help junior actuaries excel. These qualifications are important because they enable accurate data analysis, clear reporting, and collaboration on projects critical to financial decision-making in insurance, pensions, or consulting environments.

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Junior Actuarial jobs near you
Infographic showing various Junior Actuarial job openings in the United States as of August 2026, with employment types broken down into 92% Full Time, 7% Part Time, and 1% Contract. Highlights an 60% Physical, 16% Hybrid, and 24% Remote job distribution, with an average salary of $64,573 per year, or $31 per hour.

Actuary- Stop Loss & ASO Pricing

Curative HR LLC

Austin, TX • On-site

$150K - $190K/yr

Full-time

Medical, Dental, Vision, Retirement, PTO

Posted 7 days ago

Job description

About Curative
Curative is building the future of health insurance with a first-of-its-kind employer-based plan designed to remove financial barriers and make care truly accessible: one monthly premium with $0 copays and $0 deductibles*. Backed by our recent $150M in Series B funding and valuation at $1.275B, Curative is scaling rapidly and investing in AI-powered service, deeper member engagement, and a smart network designed for today's workforce.
Our north star guides everything we do: healthcare only works when people can actually use it. That belief drives every decision we make: from how we design our plan, support our members, to how we collaborate as a team.
If you want to do meaningful work with a team that moves fast, experiments boldly, and cares deeply, Curative is the place to do it. We're growing fast and looking for teammates who want to help transform health insurance for the better.
SUMMARY
We are seeking an Actuary to own the pricing of Curative's ASO (self-funded) product line, with primary focus on employer stop loss pricing - both specific (individual) and aggregate. Stop loss is sold exclusively bundled with Curative's ASO/self-funded plan, so this role sits at the center of how the self-funded block is quoted, renewed, reserved, and reported. You will own the actuarial mechanics end to end: manual and experience rating, credibility, trend, risk load and retention build-up, attachment-point and corridor structures, monthly IBNP valuation of the stop loss layer, and the state rate filings that support the product. This is a highly visible role that pairs technical actuarial ownership with direct matrix relationships across Underwriting, Sales, Account Management, Finance, and Operations, and with state regulators. You will collaborate closely with these teams to help drive Curative's growth and profitability as the ASO block expands into new states.
PRIMARY RESPONSIBILITIES
  • Own specific and aggregate stop loss pricing for Curative's self-funded ASO groups
  • Maintain and enhance the stop loss rating methodology, including trend, credibility standards, group-size risk load, expected loss ratio targets, and retention build-up
  • Price new business and renewal quotes across all plan options, communicating rate rationales directly to Underwriting and Sales Teams
  • Manage end-to-end ASO pricing models, continuously updating core inputs, network blends, administration, and specialty rider pricing
  • Conduct experience studies for the self-funded block, evaluating large claims, leveraged trends, credibility, and actual-vs-expected stop loss performance
  • Manage state stop loss rate filings and actuarial certifications, ensuring compliance with state regulations and Actuarial Standards of Practice
  • Partner with Underwriting to refine stop loss underwriting guidelines, eligibility rules, and claim review procedures while providing final peer review and technical validation
  • Support settlement and experience-refund reporting, renewal strategy, and executive reporting on stop loss and ASO financial metrics
  • Mentor junior actuarial staff and provide technical review of their work
  • Performs other projects and duties in support of the company as required

QUALIFICATIONS
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions:
  • Working knowledge of self-funded/ASO plan mechanics and employer stop loss coverage
    - specific and aggregate structures, attachment points and corridors, contract basis, pooling, lasering, and terminal liability
  • Strong technical grounding in excess-layer pricing: claim probability distributions, leveraged trend, credibility, and risk/contingency margin
  • Strong analytical skills and creative problem-solving abilities with attention to detail
  • Advanced Excel modeling skills; able to build, audit, and document a multi-tab rating model
  • Able to translate and effectively communicate results and implications of actuarial, data, financial, and underwriting analyses to non-actuarial partners, executives, and regulators
  • Ability to effectively coordinate and manage matrix stakeholders to execute on projects and priorities
  • Capable of independently driving multiple projects and workstreams
  • Excellent organizational and time management skills

EDUCATION and/or EXPERIENCE
  • Bachelor's degree in mathematics, statistics, actuarial science, finance, economics, business, computer science or related degree
  • Three or more years of health actuarial experience, including hands-on experience pricing or reserving employer medical stop loss and self-funded (ASO) business
  • Associate of the Society of Actuaries (ASA) designation required; Fellow (FSA) and Member of the American Academy of Actuaries (MAAA) preferred. Candidates who meet the U.S. Qualification Standards to sign actuarial certifications in support of rate filings are strongly preferred
  • Experience with industry manual rate bases and stop loss factor tables (e.g., Milliman Health Cost Guidelines claim probability distributions and aggregate factors) a plus
  • Experience with state health insurance rate filings, including SERFF submissions and regulator correspondence, a plus
  • Experience with IBNR/IBNP estimation and monthly close/reserve reporting a plus
  • Knowledge of SQL and relational databases; experience with Python or R for data analysis a plus

Perks & Benefits
  • Curative Health Plan (100% employer-covered medical premiums for you and 50% coverage for dependents on the base plan.)
    • $0 copays and $0 deductibles (with completion of our Baseline Visit )
    • Preventive and primary care built in
    • Mental health support (Rula, Televero, Two Chairs, Recovery Unplugged)
    • One-on-one care navigation
    • Chronic condition programs (diabetes, weight, hypertension)
    • Maternity and family planning support
    • 24/7/365 Curative Telehealth
    • Pharmacy benefits
  • Comprehensive dental and vision coverage
  • Employer-provided life and disability coverage with additional supplemental options
  • Flexible spending accounts
  • Flexible arrangements to work remotely
  • Generous PTO policy plus 11 paid annual company holidays
  • 401K for full-time employees
  • Generous Up to 8-12 weeks paid parental leave, based on role eligibility.

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