Senior Manager, Insurance Product and Benefit Design

Hi, we're Oscar. We're hiring a Senior Manager, Insurance Product and Benefit Design to join our Insurance Product Development team.

Oscar is the first health insurance company built around a full stack technology platform and a relentless focus on serving our members. We started Oscar in 2012 to create the kind of health insurance company we would want for ourselves—one that behaves like a doctor in the family.

About the role:

The Senior Manager, Insurance Product and Benefit Design owns the development of insurance plan designs across assigned markets. You will translate market strategy into applicable benefit structures, leading agreement, and ensuring high-quality, compliant products. You will balance scalable design frameworks with market-specific differentiation and be responsible for end-to-end product performance from design through post-launch optimization. You will require operational leadership, including driving regimented processes, optimizing workflows for scale, and ensuring high-quality execution across complex filing and implementation cycles.

You will report into the Vice President, Insurance Product Innovation and Development.

Work Location: This is a remote / work-from-home role. You must reside in one of the following states: Arizona, California, Colorado, Florida, Georgia, Illinois, Massachusetts, Michigan, Nevada, New Jersey, New York, North Carolina, Ohio, Pennsylvania, Texas, or Virginia. Note, this list of states is subject to change. #LI-Remote

Pay Transparency: The base pay for this role in the states of California, Connecticut, New Jersey, New York, and Washington is: $149,040- $195,615 per year. The base pay for this role in all other locations is:: $134,136- $176,053 per year. You are also eligible for employee benefits, participation in Oscar's unlimited vacation program and annual performance bonuses.

Responsibilities:

• Manage end-to-end plan design across assigned geographies, including benefits, cost-sharing, and network considerations
• Translate market strategy, performance insights, and regulatory requirements into clear design decisions
• Lead the product lifecycle from design through filing, implementation, and post-launch performance
• Be the product owner for design within the regulatory filing process, ensuring accuracy across PBT's, SBC's and internal systems
• Promote agreement on actuarial, regulatory, compliance, network, and operational teams
• Establish and enforce disciplined operating rhythms across design and filing cycles, ensuring you meet timelines, dependencies, and deliverables.
• Promote process optimization and standardization across markets to improve scalability, reduce defects, and enhance speed to market
• Lead continuous improvement efforts across product design and filing workflows, identifying inefficiencies and implementing sustainable solutions
• Partner to ensure seamless execution from design through regulatory filing submission, approval, and objection monitoring
• Evaluate program success against financial, operational, and provider/member experience goals
• Balance standardized plan design frameworks with targeted market-specific variations to maintain competitiveness
• Identify risks and lead resolution of complex design and execution issues
• Lead QA and go-to-market readiness reviews to ensure, compliant plan designs
• Interpret and conduct market, competitive, and regulatory analysis to inform strategy and positioning
• Mentor junior team members and support development of team capabilities
• Compliance with all applicable laws and regulations
• Other duties as assigned

Requirements:

• Bachelor's degree in business, healthcare, economics, finance, or related field
• 6+ years of experience in health insurance product and ACA / QHP benefit design with direct ownership over health plan design decisions
• Knowledge of ACA plan design, including cost-sharing structures, metal towers, EHB and regulatory requirements
• Experience leading regulatory filing processes, including PBT, SBC, and related documentation
• Operations experience following regimented processes associated with product development and regulatory filing processes, including ability to recommend process improvements for scale and optimization
• Experience operating in complex, matrixed organizations
• Willingness to travel up to 25% of the time.

Bonus points:

• Experience defining or managing standardized ACA plan design frameworks across multiple markets
• Familiarity with product configuration systems and downstream filing processes
• Experience with AV calculator strategies and benefit design trade-off analysis
• Exposure to portfolio management and lifecycle optimization
• Experience with SQL or advanced analytics tools
• Prior experience in ACA IFP plans

This is an authentic Oscar Health job opportunity.

At Oscar, being an Equal Opportunity Employer means more than upholding discrimination-free hiring practices. It means that we cultivate an environment where people can be their most authentic selves and find both belonging and support. We're on a mission to change health care -- an experience made whole by our unique backgrounds and perspectives.

Pay Transparency:  Final offer amounts, within the base pay set forth above, are determined by factors including your relevant skills, education, and experience. Full-time employees are eligible for benefits including: medical, dental, and vision benefits, 11 paid holidays, paid sick time, paid parental leave, 401(k) plan participation, life and disability insurance, and paid wellness time and reimbursements.

Artificial Intelligence (AI): Our AI Guidelines outline the acceptable use of artificial intelligence for candidates and detail how we use AI to support our recruiting efforts.

Reasonable Accommodation: Oscar applicants are considered solely based on their qualifications, without regard to applicant’s disability or need for accommodation. Any Oscar applicant who requires reasonable accommodations during the application process should contact the Oscar Benefits Team ([email protected]) to make the need for an accommodation known.

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