[Hiring] Senior Manager, Insurance Product and Benefit Design @Oscar Health

Role Description

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.
• Balance scalable design frameworks with market-specific differentiation.
• Be responsible for end-to-end product performance from design through post-launch optimization.
• 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.

Qualifications

• 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.

Benefits

• Medical, dental, and vision benefits.
• 11 paid holidays.
• Paid sick time.
• Paid parental leave.
• 401(k) plan participation.
• Life and disability insurance.
• Paid wellness time and reimbursements.