Arlo is an AI-powered health insurance underwriter providing benefits packages to SMBs with 10+ employees, using technology and value-based care to enable preventative-focused underwriting, risk identification, and broker distribution.
Most of what makes American healthcare expensive isn’t medical care. It’s the machinery wrapped around it: middlemen taking a cut, fraud nobody stops, and billing systems designed to fight over payment instead of deliver care. The result is higher premiums, denied claims, surprise bills, and a system patients increasingly experience as adversarial. Arlo is rebuilding health insurance for small businesses from first principles: making sure as much of every premium dollar as possible goes to care instead of getting absorbed by the system around it. We do that by identifying fraud earlier, steering members toward higher-quality and lower-cost care, automating operational overhead, and eliminating vendors whose business exists mostly to take a cut. AI is the foundation that makes this work. We use it across underwriting, operations, clinical programs, and member experience to build an insurer that becomes more efficient as the technology improves. We’re already operating at meaningful scale: profitable, hundreds of millions in premiums, tens of thousands of members covered, and growing quickly through brokers, employers, and partners. Backed by Upfront Ventures, 8VC, and General Catalyst, with a team from Palantir, YC companies, and longtime healthcare operators. ABOUT THE ROLE As a Product Engineer, you will be at the heart of our member experience, translating powerful AI capabilities into beautiful, intuitive, and reliable product features. - Build and ship delightful, AI-powered features across our web and mobile applications (React, React Native, TypeScript). - Partner with our AI team to integrate sophisticated LLM agents into seamless, conversational user interfaces. - Own features across our entire stack, from our Python/Postgres backend APIs to our modern frontend, ensuring a high-quality experience for tens of thousands of members. WHAT YOU WILL DO To give you a sense of the impact you'll have, here are some initial projects you could own: 1. AI-Powered Triage: Craft the user interface for our AI Triage tool, guiding patients through a clear, conversational flow to help them find the right care setting. You'll be responsible for the full-stack implementation that saves members time, money, and stress. 2. The Infinitely Patient Care Partner: Build the front-end experience for our AI care partner, handling real-time streaming responses to create a chat interface that feels truly human and supportive. You'll turn a powerful LLM into a trusted companion for our members. 3. Proactive Health Engine: Develop the full-stack systems for our Proactive Health Engine, connecting AI-driven insights to members through personalized in-app notifications and interactive modules that encourage preventive care. WHAT WE’RE LOOKING FOR This role is a great fit if you are a product-minded engineer who loves the craft of building and is excited to work with the latest AI technology. - A strong track record of shipping high-quality, full-stack consumer applications, with proficiency across our stack (Python, Postgres, TypeScript, and React/React Native). - Deep product intuition and a passion for user experience. You have led the development of 0-to-1 products in fast-paced environments, owning features from initial concept to happy users. - Excitement for integrating novel technologies, like LLMs, to build magical user experiences. You don't need to be an AI expert, but you're thrilled by the challenge of turning powerful APIs into intuitive and reliable products. - Fluency with modern engineering practices, including a high bar for code quality and the use of AI-assisted tools (e.g., Cursor, Copilot) to accelerate your workflow. NICE TO HAVES - Prior experience in a regulated space like healthcare or fintech. - A strong eye for design and user interface details. TARGET COMPENSATION $200,000 – $220,000 + equity WHY JOIN ARLO: - High ownership: You’ll get real responsibility from day one—our high-trust team empowers you to run with big problems and shape core parts of the company. - Join an important mission: Your work directly influences how people access care and improves lives at scale. - Growth & expansion: We’re moving fast, and as we grow, your scope will grow with us—new challenges, bigger opportunities, and rapid career velocity. - Apply AI to a problem that matters: Instead of optimizing ads or cutting labor costs, you’ll use AI to fundamentally reimagine how people get healthcare. - High pace, high collaboration: We operate with velocity, first-principles thinking, and a team that works closely, openly, and with ambition. Exact compensation inclusive of salary and any bonuses is determined based on a number of factors including experience and skill level, location, and qualifications which are assessed during the interview process. Arlo is an equal opportunity employer. We do not discriminate based on age, race, color, creed or religion, national origin, sexual orientation, gender identity or expression, military status, sex, disability, predisposing genetic characteristics, marital status, familial status, status as a victim of domestic violence, or arrest or conviction record, as defined under New York State law. 🔒 Your safety matters to us. If you're selected to move forward in our hiring process, you'll hear directly from a member of our Recruiting team via an @joinarlo.com email address. We will never ask for personal or financial information outside of our formal onboarding process. When in doubt, please reach out to us to verify at: recruiting@joinarlo.com http://joinarlo.com.