Associate Director, Insurance Product Employer Subsidized & Emerging Solutions

Role Description

We're hiring an Associate Director, Insurance Product Employer Subsidized & Emerging Solutions to join our Insurance Product Development team. This role will support the strategy development and scaling of employer subsidized (ICHRA) and adjacent growth-oriented health insurance solutions across Oscar's broader product portfolio.

• Translate enterprise, subsidiary, and market level strategies into actionable product concepts.
• Ensure alignment with core ACA offerings.
• Drive end-to-end product lifecycle execution through launch and performance optimization.
• Report to 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.

Pay Transparency

• Base pay in California, Connecticut, New Jersey, New York, and Washington: $180,504 - $236,911 per year.
• Base pay in all other locations: $162,453 - $213,220 per year.
• Eligible for employee benefits, participation in Oscar's unlimited vacation program, company equity grants, and annual performance bonuses.

Responsibilities

• Product Strategy and Growth
  • Own the development and evolution of the employer-subsidized product strategy.
  • Lead and contribute to business cases associated with new products.
  • Identify and assess new growth opportunities across employer-sponsored, individual, and adjacent product spaces.
  • Define market-specific right to win strategies, competitive positioning, and expansion priorities.
  • Translate enterprise and market-level strategies into relevant product programs and measurable outcomes.
• Product Design and Portfolio Integration
  • Partner with peers to translate strategies into scalable, fileable product designs.
  • Ensure ICHRA and new solutions align with product architecture and member value propositions.
  • Promote consistency and reusability through modular product design.
  • Support development of competitive product offerings, informed by market insights.
• Cross-Functional Leadership and Alignment
  • Serve as primary connector across key stakeholders.
  • Establish measurements, including growth, retention, margin, and market competitiveness.
  • Support business case development and oversight of vendor and partner relationships.
  • Ensure compliance with all applicable laws and regulations.
  • Other duties as assigned.

Qualifications

• Bachelor's degree.
• 8+ years of experience in healthcare, health insurance, commercial product strategy, or commercial insurance product management.
• Experience working within the ACA marketplace.
• Demonstrated experience leading programs.
• Familiarity with insurance product lifecycle management.
• Willingness to travel up to 25% of the time.

Bonus Points

• MBA, MHA, or other advanced degree.
• Experience with ICHRA, employer-sponsored insurance, or non-traditional health insurance products.
• Exposure to regulatory filings and compliance processes.
• Experience developing or scaling new health insurance products or market expansions.
• Familiarity with network strategy, pricing dynamics, and actuarial partnership.

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.