Author: Madison Holler

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

How Oxbridge Makes Smarter Choices Possible For years, behavioral economists like Richard Thaler and Daniel Kahneman have shown us a fundamental truth: humans don’t always make rational decisions, especially when things are complex, uncertain, or opaque. Healthcare, unfortunately, is all three. Most health plans offer fragmented pricing and disjointed care. Consumers are asked to make … Continued

How Oxbridge Health Unleashes the Power of the Consumer in a System Designed to Confuse Them In video games, casinos, and even social media apps, we’ve all seen the same pattern: opaque pricing, confusing systems, and a house that always wins. These environments are built to nudge the user into spending more without realizing it—and to limit … Continued

What Medicare Part D Can Teach Us About Smarter Health Benefit Design One of the most underappreciated behavioral design levers in healthcare may be something many beneficiaries have come to dread: the Medicare Part D “donut hole.” Often viewed purely as a financial burden, the donut hole—where consumers temporarily bear more of the cost—has also proven to … Continued

Why Consumer Incentives Could Finally Fix Healthcare—If We Let Them “Never, ever, think about something else when you should be thinking about the power of incentives.”— Charlie Munger Incentives shape human behavior more than any rule, policy, or guideline ever will. From the airlines that nudge us to spend points before expiration to the tax … Continued

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