AI is changing how people access their health care - but traditional incumbent carriers are far behind. Thousands of people delay care every day, because of financial fear and lack of support from their health insurance to seek the care they need.
Arlo’s mission is to make high-quality health coverage simple, affordable, and transparent — helping employers offer benefits that actually feel like benefits. We’ve grown from zero to tens-of-thousands of covered members in under a year, and we’re just getting started.
The Opportunity
We are seeking a Claims Data Analyst who will be responsible for reviewing stop-loss claims, identifying cost-containment opportunities, and generating insights that drive proactive intervention for members and employers. This role bridges analytics, risk management, and operations — ensuring Arlo’s plans perform efficiently while maintaining outstanding member outcomes.
What you will do
Review stop-loss and medical claims data to identify trends, anomalies, and high-cost drivers.
Analyze Arlo’s claims performance to uncover actionable insights and inform pricing, underwriting, and care management strategies.
Develop trigger-based rules using claims data to initiate targeted interventions such as member outreach, case management, and pharmacy review.
Investigate potentially fraudulent or abusive claims patterns in coordination with clinical and legal partners.
Evaluate the effectiveness of cost-containment programs, recommend optimizations, and benchmark performance against market standards.
Collaborate with underwriting, product, and analytics teams to refine dashboards, models, and monitoring tools.
What we are looking for
3–6 years of experience analyzing medical or stop-loss claims, healthcare data, or cost containment programs.
Adept in analytics tools (Excel, SQL, Python)
Experienced in cost containment strategies in the employer market — you understand what works, what doesn’t, and why
Comfortable working with large medical claims datasets and identifying meaningful patterns
Strong quantitative and analytical skills; ability to translate data into actionable recommendations
Familiarity with coding structures (ICD-10, CPT/HCPCS, DRG) and claims adjudication workflows
Bachelor’s degree in a quantitative or healthcare-related field (e.g., Statistics, Health Economics, Finance, Public Health, or similar).
Bonus Points:
Exposure to fraud, waste, and abuse detection or audit processes is a plus.
Why you’ll love it here
Mission with Impact: Help small businesses offer health benefits that truly matter.
High Impact: You’ll be working cross-functionally with operations and our data science team and your work will be key to building a health insurance company from scratch (where else can you do that??)
Fast-Growing Startup: Join us at an inflection point — we’re scaling quickly and thoughtfully.
Ownership & Autonomy: We value builders and give you room to create.
Compensation:$100,000-150,000 annually
Equity
the usual Tech startup benefits (100% covered health insurance, vision, dental & life insurance, remote work setup stipend, in-office meals, etc. etc.)
Process
This is what you can expect when we like your application:
30-minute introductory call with Jan-Felix (CEO & Co-Founder)
30-min call with Karthik (Co-Founder)
Take-home case study
Onsite/ Virtual Onsite
Reference Calls
Numbers & Facts
Location
New York, New York
Skills
Adjudicationunmatched
Analysis Skillsunmatched
Artificial Intelligence (AI)unmatched
Benchmarkingunmatched
Case Managementunmatched
Childcareunmatched
Cost Analysisunmatched
Cost Controlunmatched
Cost Effectiveness Analysisunmatched
Cross-Functionalunmatched
Current Procedural Terminology (CPT)unmatched
Data Analysisunmatched
Data Scienceunmatched
Data Setsunmatched
Diagnosis-Related Group (DRG)unmatched
Fraud Investigationunmatched
Health Economicsunmatched
Health Insuranceunmatched
Health Planunmatched
Healthcareunmatched
Healthcare Common Procedure Coding System (HCPCS)unmatched
ICD-10unmatched
Legal Support Skillsunmatched
Management Strategyunmatched
Pharmacyunmatched
Pricingunmatched
Public Financeunmatched
Public Healthunmatched
Python Programming/Scripting Languageunmatched
Quantitative Analysisunmatched
Reporting Dashboardsunmatched
Risk Managementunmatched
SQL (Structured Query Language)unmatched
Small Businessunmatched
Startupunmatched
Statisticsunmatched
Stop Loss Insuranceunmatched
Trend Analysisunmatched
Underwritingunmatched
🎯
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