Manager, Insurance Product and Benefit Design

Hi, we're Oscar. We're hiring a 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 Manager, Insurance Product & Benefit Design supports the development of health insurance plan designs across assigned markets. You will translate market strategy and regulatory requirements into detailed benefit designs, ensuring accuracy across systems, filings, and member-facing materials. This position partners cross-functionally with actuarial, regulatory, network, market leadership, clinical, and operational teams to deliver high-quality, compliance, and competitive health plans.

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: $135,792- $178,227 per year. The base pay for this role in all other locations is:: $122,212- $160,404 per year. You are also eligible for employee benefits, participation in Oscar's unlimited vacation program company equity grants and annual performance bonuses.

Responsibilities:

Help develop insurance plan designs, including benefits, cost-sharing, and network structures

Translate strategic direction and regulatory requirements into detailed, executable benefit configurations

Ensure plan designs are reflected across internal systems and regulatory filings

Partner with actuarial, regulatory, and compliance teams to validate benefit structures and cost-sharing agreement

Support execution of the product lifecycle from design through filing, implementation, and launch readiness

Maintain disciplined operating rhythms across design and filing cycles, ensuring timelines, dependencies, and deliverables are consistently met

Improve 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

Perform QA across plan designs, filings, and system configurations to ensure accuracy and compliance

Identify and escalate inconsistencies or risks in design and execution

Coordinate across partners to ensure accurate delivery of plans

Support market, competitive, and regulatory analysis to inform plan design decisions

Help monitor plan performance and identification of improvement opportunities post-launch

Compliance with all applicable laws and regulations

Other duties as assigned

Requirements:

Bachelor's degree in business, healthcare, economics, finance, or related field

5+ years of experience in health insurance product, ACA benefit design, regulatory filings, or related functions

Operations experience following regimented processes associated with product development and regulatory filing processes, including ability to recommend process improvements for scale and optimization

Knowledge of the ACA and small group plan design space, including cost-sharing structures, metal tiers, and essential health benefits

Experience supporting regulatory filings and/or working with filing artifacts (e.g., PBTs, SOBs, SBCs)

Strong attention to detail with experience managing complex benefit configurations across systems and documentation

Experience working in cross-functional, matrixed environments (e.g., actuarial, finance, regulatory, network, and operations)

Demonstrated ability to analyze data and support design and execution decisions

Willingness to travel up to 25% of the time.

Bonus points:

Experience configuring or supporting plan builds in product systems

Familiarity with AV calculators, SBC calculators, and regulatory validation processes

Exposure to multi-state product environments and varying regulatory requirements

Experience supporting plan development, including QA and go-to-market readiness

Prior experience in ACA or small group lines of business

Experience with SQL or data tools.

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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 (accommodations@hioscar.com) to make the need for an accommodation known.

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