Author: 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

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

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

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

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