Author: 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

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

For years, value-based care has been heralded as the panacea for America’s bloated and fragmented healthcare system. The premise is deceptively simple: align payment with outcomes instead of volume. Pay for results, not activity. And in doing so, unlock a new paradigm of healthcare that is more coordinated, more cost-effective, and more satisfying for patients … Continued

…and How to Fix It Each year, Americans rank health insurance companies near the bottom in public trust. Just above cable companies. Just below used car dealers. In fact, a 2023 Axios-Harris Poll placed health insurance dead last among major industries for reputation. Why? Because most health plans feel extractive, opaque, and adversarial. We pay more, get less, and rarely … Continued

Why Healthcare’s “Transparent” Plans Still Leave You in the Dark “You can’t shop for what you don’t see.”— Uwe Reinhardt, Princeton health economist It’s one of the most powerful — and painfully accurate — truths in American healthcare. For decades, we’ve talked about giving consumers more responsibility and “skin in the game.” But how can … Continued

What Travel Sites Teach Us About the Future of Care For decades, Americans have been told to “shop for healthcare”—but given none of the tools or transparency needed to do so. While nearly 50% of healthcare spending is theoretically shoppable, few consumers can act like real shoppers in today’s system. But perhaps the challenge isn’t about … Continued

Narrow network plans were designed to lower healthcare costs by limiting provider access to “preferred” groups. But in practice, they often deliver: Oxbridge Health: A Better Path to Value Oxbridge Episode Benefit Plans and the Episode Advantage Program offer a smarter, member-centered alternative.We don’t just restrict networks—we redesign how care is delivered and paid for, aligning incentives across the … Continued