Chief Risk & Cost Sharing Architect (Fractional / Advisory)

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 Overview

The 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 Background

We 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.

Apply Now

Apply Now