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Cost-Shifting in Employer Health Benefits

By Madison Holler

Hitting the Ceiling and Forging a New Path Introduction Health insurance captives have emerged as a powerful alternative for employers seeking greater control over healthcare benefits and costs. In a captive arrangement, employers collectively own and manage their health plan risk, aiming to stabilize costs and reclaim insurer profits. Yet even captives face persistent challenges: … Continued

Repeating the Same Playbook

By Madison Holler

Why Traditional Health Benefit Strategies Are Failing Introduction Employers have long grappled with rising healthcare costs by resorting to familiar strategies – from narrowing provider networks and adopting reference-based pricing to shifting more costs onto employees. However, the definition of insanity (to paraphrase a famous adage) is doing the same thing over and over and … Continued

Reducing Risk Exposure in Self-Funded Health Plans: The Episode Advantage

By Madison Holler

Self-insured companies, PEOs, and captives all share a common challenge: health benefits are one of their largest—and least predictable—cost drivers. Traditional models expose them to volatility in claims, leaving employers at the mercy of trend inflation and random high-cost events. Oxbridge Health’s Episode Benefit Plans flip this equation by introducing episode-based pricing, consumer agency, and … Continued

Oxbridge Health: Turning Price Transparency Into Predictability

By Madison Holler

Based on the 2025 Health Plan Price Transparency Report by Trilliant Health Executive Summary In 2023, U.S. healthcare spending reached $4.9 trillion, or $14,570 per person. Employers—through their sponsored insurance programs—funded more than $1.4 trillion of that total. Yet, despite this extraordinary spend, American health outcomes remain worse than those of peer OECD nations: shorter … Continued

Unleashing Healthcare’s Most Underutilized Asset: The Consumer

By Madison Holler

The Power of Agency, the Failure of the Status Quo, and the Bold Path Forward with Oxbridge Health Despite spending nearly $4.5 trillion annually on healthcare, America has yet to tap into its most powerful resource for reducing costs and improving outcomes: the consumer. Decades of employer-sponsored insurance models, opaque pricing, misaligned incentives, and paternalistic … Continued

Why Healthcare Can’t Be Free

By Madison Holler

The Psychology of Price, the Buffet Effect, and the Value of Sensible Cost-Sharing “Free healthcare” is an idea that sounds morally unassailable. After all, why wouldn’t we want essential medical care to be available to everyone at no cost? But beneath the surface of this emotionally appealing concept lies a powerful behavioral dynamic: the zero price … Continued

The Steamer Pot Is Boiling Over

By Madison Holler

Why Employers Need More Than One Release Valve in Healthcare Healthcare costs today are like a high-pressure steamer pot—rattling, hissing, and threatening to blow the lid right off. Employers are watching premiums rise, trend escalate, and financial pressure build with no real way to let off steam. Meanwhile, employees feel the heat too—dodging care, swallowing … Continued

Speaking Sense: Redesigning Healthcare

By Madison Holler

At Oxbridge Health, we are always looking to further our exploration in deploying technology to drive greater effects and true impact. That’s why we are excited to share Speaking Sense – our AI-generated podcast! Dive into episode five where we explore how Oxbridge Health is redesigning healthcare in the face of an 8.5% increase in … Continued