Author: Madison Holler

How AI, Predictive Modeling, and Quilt Are Transforming Healthcare Decision-Making For decades, the healthcare industry has echoed the same aspiration: Right care. Right place. Right time. Right cost. It’s a powerful vision—but one that has often felt more like a slogan than a system. Despite all the clinical advances and payment reforms, most healthcare decisions … Continued

Why Healthcare Needs to Price the Whole Trip Over the last decade, health plans have made strides toward transparency. Innovations like Surest’s upfront pricing and Curative’s simplified cost-sharing represent important efforts to make health benefits more understandable and less burdensome. Yet these models—while promising—fall short in a critical way: they only show the price of individual … Continued

Alan Enthoven’s Vision and the Emergence of Episode-Based Plans at Oxbridge Health When Alan Enthoven introduced the theory of managed competition in the 1970s and 1980s, his vision was simple but radical: create a competitive marketplace where health plans would vie for consumer trust not by denying care, but by delivering value—high-quality outcomes at the lowest … Continued

…And Who’s Leading It Clayton Christensen’s legendary Innovator’s Dilemma explains why industry giants often fail to lead disruptive change. They protect the status quo because that’s where the margins are—until it’s too late. Healthcare is no exception. For decades, legacy insurers sustained a model built on fee-for-service payments, opaque pricing, and cost-shifting through higher deductibles and narrower … Continued

Uwe Reinhardt’s Warning and How Oxbridge Health Responds Executive Summary More than a decade ago, the late Uwe Reinhardt, one of the most respected health economists in the world, delivered a searing verdict on the American healthcare system: “It’s the prices, stupid.” With that blunt phrase, Reinhardt captured the core dysfunction of U.S. healthcare: we … Continued

Alan Enthoven’s Vision and the Emergence of Episode-Based Plans at Oxbridge Health Executive Summary When Alan Enthoven introduced the theory of managed competition in the 1970s and 1980s, his vision was simple but radical: create a competitive marketplace where health plans would vie for consumer trust not by denying care, but by delivering value—high- quality outcomes at the … Continued

A Case for Intelligent Consumerism in Oxbridge Health’s Episode Benefit Plans Executive Summary The Medicare Part D “donut hole” provision was originally implemented as a cost containment mechanism, shifting part of the financial responsibility for prescription drugs to the consumer once a certain spending threshold was reached. This feature created a powerful economic incentive for … Continued

Through Episode Advantage Applying Christensen’s Innovator’s Dilemma to Health Insurance Healthcare costs are rising ~5% yearly (far outpacing GDP)¹, and U.S. spending per capita is double that of other nations². Yet traditional insurers have mainly responded with cost-shifting (e.g., high deductibles) and narrow networks, moves that are reaching their limits¹. Episode Advantage by Oxbridge Health offers a … Continued

Executive Summary Episode-based health benefit plans, such as Oxbridge Health’s Episode Benefit Plans with the Episode Advantage shared savings feature, represent a significant shift from traditional health insurance models. By leveraging bundled payments, price transparency, and consumer incentives, these plans aim to improve cost control, foster consumer engagement, and promote value-based provider competition. This white … Continued