Chief Risk
We are building a next-generation Preventative Health Collective that integrates behavioral data, risk tiering, and catastrophic cost-sharing into a unified ecosystem.
This is NOT traditional insurance.
This is not a innovative healthshare.
We are designing a prevention-first membership model with shared catastrophic pooling mechanics, dynamic risk stratification, and long-term solvency design. We are seeking a highly experienced architect who understands how alternative risk pools are structured, protected, and sustained.
- Role OverviewThe Chief Risk & Cost Sharing Architect will design and stress-test the financial and regulatory foundation of our cost-sharing model.This is a strategic architecture role (not an operations or sales position).You will help design:
- Pool structure and contribution methodology
- Risk stratification and tiered membership logic
- Reserve design and capital buffer strategy
- Stop-loss and reinsurance layering
- TPA selection and claims governance frameworks
- Regulatory positioning across multiple states
- Entity structuring to protect solvency and compliance
- Long-term sustainability modeling
You will work directly with the founder and executive team to harden the system before scale.
Key Responsibilities
Design the underlying financial engine of the cost-sharing pool
Model solvency scenarios under varying claim loads
Identify regulatory landmines and classification risks
Advise on ERISA implications where applicable
Structure relationships with TPAs and stop-loss carriers
Establish reserve and liquidity policies
Provide clear recommendations on compliance guardrails
Stress-test incentive and tiering models to avoid insurance classification
- Ideal BackgroundWe are looking for someone who has:
- Designed or architected medical cost-sharing programs
- Structured multi-entity trusts or alternative risk pools
- Experience in self-funded employer plans
- Deep knowledge of stop-loss and reinsurance markets
- Worked with TPAs and non-traditional reimbursement models
- Navigated state regulatory scrutiny
- Strong financial modeling capability
- Bonus if you understand:
- Behavioral incentive systems
- Tiered pricing models
- Membership-based ecosystems
- Network marketing compliance considerations
- This is an architecture role focused on protecting and strengthening the financial engine.Structure
- Fractional engagement initially (10–20 hours per week)
- Advisory or contract structure
- Compensation competitive and aligned with scope
- Potential to evolve into long-term strategic leadership We believe the future of healthcare is prevention-first, community-driven, and structurally sound.To do that responsibly, the foundation must be engineered correctly from day one. You will be an integral part of that.
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