Insurance

• Lead the development of product and innovation strategies across the individual market and new solution spaces
• Translate enterprise and market priorities into relevant product strategies, value propositions, and expansion roadmaps
• Identify and scale new growth opportunities, including lifestyle-oriented products, population-specific solutions, and adjacent offerings
• Define market-specific right-to-win strategies, competitive positioning, and investment priorities
• Lead development of business cases, including return on investment, growth, and margin impact in partnership with actuarial and finance
• Promote optimization of product performance using member insights, behavioral data, and market intelligence
• Ensure new solutions integrate with existing product portfolio, benefit design standards, and member value propositions
• Improve modular product design to improve scalability, consistency, and speed to market across markets
• Manage product lifecycle performance, including launch readiness, post-launch optimization, and long-term sustainability
• Partner with product execution, compliance, and regulatory teams to ensure readiness and adherence to all requirements
• Build design and execution of the member incentives platform (rewards, engagement programs, and vendor partnerships)
• Define and innovate the program structure, eligibility, and value proposition in consideration of member engagement and retention goals
• Partner with other teams and external vendors to provide scalable, compliant incentive solutions
• Support ongoing refinement post-launch of incentive platform and partnership models, based on data-driven insights to promote membership engagement
• Be the senior connector across actuarial, network, market leadership, compliance, regulatory, finance, and growth teams
• Promote agreement, ensuring decision-making and execution
• Manage dependencies, timelines, and trade-offs alongside peers to ensure execution and delivery of results
• Influence strategic decisions across a matrixed organization without direct authority
• Lead complex programs spanning multiple markets, partners, and products
• Analyze results and provide recommendations to improve product performance or scaling of geographies, based on data-driven insights
• Provide leadership oversight for direct report(s), including coaching, conducting frequent meetings, direction.
• Compliance with all applicable laws and regulations
• Other duties as assigned

Associate Director, Insurance Product Innovation, Emerging Solutions

• Lead the execution of ACA individual and small group health plan products
• Manage end-to-end product portfolio performance, spanning benefit design, filings, and go-to-market readiness
• Oversee the development of positioning, go-to-market plans, and sales enablement tools
• Establish disciplined operating rhythms across product development and filing cycles
• Build scalable processes and workflows to support multi-state execution
• Partner with actuarial, network, market leadership, and compliance to achieve growth in a regulated environment

Senior Director, Insurance Product Development, Execution

• Lead the strategy for next-generation lifestyle-focused health solutions.
• Be a hands-on strategic product leader and people leader.
• Accountable for building a high-performing team while directly leading product strategy and delivery.
• Translate enterprise priorities into scalable, market-ready health solutions that increase growth, retention, and long-term portfolio difference.
• Report into the Vice President, Insurance Product Innovation and Development.
• Collaborate with cross-functional leadership teams to develop culturally aligned and linguistically tailored health solutions.

Senior Director, Insurance Product Innovation, Emerging Solutions

• Assist individuals in understanding their coverages and selecting the right products, services and best solutions to meet their personal health and financial needs
• Provide full lifecycle customer service and sales where you could accept inbound or might be calling out to provide follow up
• Respond to customer inquiries with compassion and active listening and select the best solution in an efficient manner
• Identify additional needs customers may have and help them to upgrade products or services
• Complete the sale or renewal of a health plan that best suits the customer's needs

Bilingual Licensed Healthcare Insurance Agent – Spanish-English

• Assist individuals in understanding their coverages and selecting the right products, services and best solutions
• Providing full lifecycle customer service and sales
• Respond to customer inquiries with compassion and active listening
• Identify additional needs customers may have and help them to upgrade products or services
• Complete the sale or renewal of a health plan that best suits the customer's needs

Licensed Healthcare Insurance Agent

• Assist individuals in understanding their coverages and selecting the right products
• Provide full lifecycle customer service and sales, accepting inbound calls or calling out to follow up
• Respond to customer inquiries with compassion and active listening
• Identify additional needs customers may have and help them to upgrade products or services
• Complete the sale or renewal of a health plan that best suits the customer's needs

• Manage insurance product execution calendar from design translation through filing, implementation, and ongoing optimization; operate as the hub of the department PMO activities
• Ensure agreement between product intent, regulatory requirements, and operational outputs in partnership with the Strategic Programs Organization
• Partner with insurance product leadership to translate strategy into relevant execution plans
• Promote performance tracking and process improvement
• Implement insurance product-specific ACA filing components across Oscar's markets
• Oversee development of important artifacts (e.g., PBT, SOB, SBC, and benefit documentation) through internal systems
• Coordinate inputs to ensure filing readiness and timeline adherence
• Manage responses to regulatory objections and escalations
• Manage QA frameworks, validation processes, and quality standards for product execution and filing outputs
• Establish execution rhythms, milestones, and governance across the lifecycle
• Promote process standardization and continuous improvement
• Resolve risks, dependencies, and data inconsistencies
• Implement reporting to track progress, risks, and performance
• Oversee production readiness and release schedules for filing outputs
• Enforce controls (e.g., freeze windows, change governance) during critical periods
• Manage version control standards to ensure outputs are accurate and traceable
• Be an escalation point for vendors supporting product execution and QA, managing performance and delivery
• Be the central execution hub across Insurance product and other leaders
• Improve agreement on priorities and timelines; lead implementation forums and issue resolution
• Lead team members responsible for product execution and QA
• Set priorities, performance expectations, and staffing / developmental plans
• Build team capabilities in product execution, regulatory understanding, and operational excellence
• Lead end to end regulatory QHP filing execution and ensure accurate, compliant, and submissions
• Establish execution rhythms, track milestones, surface risks, and lead issue resolution
• Support leadership decision-making with clear updates and recommendations
• Mentor and lead associate level execution staff
• Compliance with all applicable laws and regulations
• Other duties as assigned

Director, Insurance Product Filing – Lifecycle Management

• Promote development of new insurance product concepts and health solutions (e.g., lifestyle-based, multicultural, condition-specific health plans)
• Translate strategy into early-stage designs, value propositions, and use cases
• Identify opportunities based on member needs, health disparities, and market trends to differentiate and win
• Contribute to development of culturally-aligned and population-specific offerings
• Support design of condition-focused solutions (e.g., chronic condition or disease-specific concepts)
• Help shape offerings that improve engagement, outcomes, and provider/member experience
• Analyze market, competitive, and member analysis to inform innovation priorities
• Support opportunity sizing and business case inputs for new concepts
• Partner with product design, clinical, network, actuarial, corporate strategy, and growth teams
• Coordinate inputs and timelines to move concepts from brainstorming to pilot and launch
• Support execution of pilots and early-stage programs
• Track performance, gather insights, and summarize insights
• Recommend whether to refine, pivot, or discontinue product concepts
• Lead different teams to develop requirements and support implementation.
• Compliance with all applicable laws and regulations
• Other duties as assigned

Manager, Insurance Product Innovation – Emerging Solutions

• Implement strategic plans and advanced technology to maximize clients’ insurance recoveries for mass tort and complex claims such as toxic tort, asbestos, sexual assault, concussion, addiction, contamination, PFAS and other high-value claims.
• Provide insightful analysis and recommendations on insurance coverage for clients facing complex liabilities.
• Manage insurer communications, including notice and tender processes, coverage position letters, and information requests.
• Review policy documents to identify key provisions for policy management systems and coverage charts.
• Evaluate cost share agreements and buyout offers to ensure client interests are protected.
• Utilize both coverage expertise and business relationships to negotiate insurance coverage and loss allocation resolutions with adjusters on behalf of clients.
• Maintain client WC Qualified Self-Insured or monopolistic state status through assisting with filing requirements.

Insurance Coverage Consultant – Complex Liability

• Lead or assist with ceded reinsurance placements across product lines, including structuring, placement, and administration.
• Partner with underwriting leadership to align reinsurance strategies with product offerings.
• Build and maintain relationships with reinsurers and brokers.
• Manage placement timelines and ensure timely, well-communicated renewals.
• Ensure compliance with approved reinsurer lists and required documentation.
• Coordinate and lead underwriting and/or claims audits.
• Prepare submissions, including product overviews, contract wording, and data requirements.
• Collaborate with Data & Analytics to validate data and identify trends.
• Manage reinsurer inquiries and coordinate internal responses.
• Ensure contracts reflect agreed terms, meet standards, and are executed on time.
• Maintain compliance documentation (Risk Transfer, SOX, regulatory).
• Prepare post-placement materials (treaty summaries, schematics, executive summaries).
• Support internal education on reinsurance structures and strategy.
• Update systems to support reporting and digitization.
• Stay current on contract wording, regulatory changes, and market practices with Legal.
• Partner with accounting/processing teams to ensure accurate treaty implementation.
• Participate in special projects as needed.

Reinsurance Placement Analyst, Senior

• Identify customer needs and recommend appropriate insurance products.
• Offering an array of personal lines, small commercial and life insurance products
• Establish strong customer and community relationships to help develop additional leads and referrals
• Maintain partnerships with insurance company representatives and underwriters

Insurance Sales Agent

• Conduct primary and secondary market research to support insurance product strategy and market-level decision-making
• Analyze healthcare market trends, consumer behaviors, competitor activity, and product performance
• Develop market research summaries, dashboards, presentations, and strategic insights for company partners
• Support competitive intelligence through data gathering and analysis
• Help develop market analyses, consumer segmentation, and opportunity assessments
• Partner with team members to support research requests and strategic programs
• Compile and maintain market intelligence databases, reports, and recurring deliverables
• Translate complex data into concise, relevant insights for business audiences
• Support qualitative and quantitative research projects, including surveys, interviews, and market assessments
• Contribute to continuous improvement of research methodologies and reporting processes
• Compliance with all applicable laws and regulations
• Other duties as assigned

Manager, Insurance Product Market Research

• Own the development and evolution of the employer-subsidized product strategy, including target segments, value proposition, and market expansion roadmap in partnership with cross-functional stakeholders, including Growth, Sales, and ICHRA leadership
• Lead and contribute to business cases associated with new products, including return on investment assessments to propel growth in membership and profitability, alongside a positive brand experience
• 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
• Partner with peers to translate strategies into scalable, fileable product designs
• Ensure ICHRA and new solutions align with product architecture, benefit design standards, and member value propositions
• Promote consistency and reusability through modular product design, avoiding one-off or fragmented solutions
• Support development of competitive product offerings, informed by market insights, pricing considerations, and member insights
• Serve as primary connector across key stakeholders including actuarial, network, market leadership, compliance, regulatory affairs, corporate strategy, distribution and growth to drive alignment with competing priorities, ensuring timely decision making and execution orientation
• Establish measurements, including growth, retention, margin, and market competitiveness with corporate finance
• Support business case development and oversight of vendor and partner relationships related to new solutions, while ensuring operational processes are in place to mitigate risks
• Compliance with all applicable laws and regulations
• Other duties as assigned

Associate Director, Insurance Product – Employer Subsidized & Emerging Solutions

• 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

Manager, Insurance Product and Benefit Design

• Monitor competitor product strategies, benefits, network positioning, and market activity
• Develop competitor profiles, market summaries, strategic insights, and executive ready presentations
• Conduct market and competitive analysis using regulatory filings, enrollment data, financial reports, consumer insights, and industry research
• Support development of product and market recommendations tied to growth, retention, and portfolio optimization goals
• Partner with product, actuarial, network, clinical, sales, and market leadership teams to evaluate market opportunities, growth, and risks
• Produce recurring reporting and ad hoc analyses related to product positioning and market dynamics
• Identify emerging trends, disruptive market shifts, and new ideas across the healthcare landscape
• Support strategic planning programs and market-specific business case development
• Contribute to development of standardized product specific intelligence frameworks and processes
• Compliance with all applicable laws and regulations
• Other duties as assigned

Senior Manager, Insurance Product Intelligence

• Lead complex or multi-market IFP portfolios with ownership of strategic intent, design coherence, execution quality, and in-market performance
• Report to the Vice President, Insurance Product Innovation and Development
• Oversee end to end plan design and execution across assigned portfolios
• Serve as a senior approver for plan designs, filings, and regulatory submissions
• Share accountability for live plan performance with leadership and Senior Managers

Associate Director, Individual and Family Plan Insurance Solutions

• Support the strategy development and scaling of employer subsidized (ICHRA) and adjacent growth-oriented health insurance solutions
• 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 into the Vice President, Insurance Product Innovation and Development
• 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
• Partner with peers to translate strategies into scalable, fileable product designs
• Ensure ICHRA and emerging solutions align with product architecture, benefit design standards, and member value propositions
• Promote consistency and reusability through modular product design
• Serve as primary connector across key stakeholders

Associate Director, Insurance Product Insights, Intelligence

• Identify client needs and recommend tailored insurance solutions
• Develop and maintain strong client relationships
• Generate leads through networking, referrals, and company-provided resources
• Educate clients on available policies and coverage options
• Follow up with prospects to close sales and maintain customer satisfaction
• Stay informed about industry trends and product offerings
• Work independently while collaborating with a supportive team

Mortgage Protection Life Insurance Agent

• Consult on life insurance products to customers.
• Assist customers with life insurance applications and claims.
• Provide customers with information on life insurance plans and options.
• Maintain compliance with life insurance regulations.

Life Insurance Agent Team Member

• Collaborate with the regional sales teams to provide critical support including quoting, risk reporting, proposals, onboarding, and other projects
• Assist in the new business process by completing location checks, risk reporting, quoting, proposals, binding, and special projects
• Help the team in the new business process by establishing Applied file, creating binders, identification cards, cancellation forms, new client onboarding, and coordination of new business policy delivery
• Process endorsements, mortgagee/lienholder inquiries, client identification requests, and billing inquiries
• Facilitate day-to-day operation of sales colleagues by updating the team library and carrier directories
• Quote coverages via carrier websites, locate carrier specific information, and obtain policy declarations
• Provide support to your manager/team with event planning, scheduling, and projects as required

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