How Employers Can Future-Proof Their Benefits Before the 2026 Cliff Introduction The United States stands on the cusp of a seismic healthcare shift. With the enhanced Affordable Care Act (ACA) subsidies set to expire at the end of 2025, the very structure that has sustained the individual market may falter under its own weight. That … Continued
Oxbridge Health’s Giant Leap in Healthcare Consumerism Introduction Healthcare in the United States is undergoing a transformative shift – an “evolution of a revolution” – driven by new payment models and empowered consumers. At the center of this shift is Oxbridge Health, pioneering a model that combines episodes of care and functional transparency to create … Continued
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! Listen in as we discuss how the concept of “engaged actuarial value” can be used to more effectively compare different health … Continued
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! Listen in as we break down why the current healthcare model doesn’t work and why it’s not just a self-funded versus … Continued
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! Listen in as we unpack healthcare’s hidden costs and the paradox of “free” healthcare.
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
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
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
The Problem: A Marketplace Built on Confusion Decades of surveys confirm what consumers already feel in their bones: navigating health insurance is harder than navigating their own care. More than half of Americans report that their health insurance is difficult to understand. A majority doubt their ability to calculate their out-of-pocket costs. And nearly three … Continued
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