Not everyone can sell Oxbridge.
Episode Advantage Health Plans give clients 10–25% savings and give you a story no other broker has. Broad networks, same doctors — one upgrade.
What it does for your book.
Guide employers to dial in savings.
Move the dials with your client in the room. Show how headcount, allowance percentile, and shared-savings rate change the math — live, consistent with the employers savings model.
From 50 to 1,000 covered employees.
A lower percentile sets a tighter allowance — more savings, more member steering.
Share 10–50% of savings back to employees who choose low-cost Care Groups.
Illustrative model: assumes $12,400 average annual medical spend per employee. Gross savings of 25% / 22% / 18% / 15% at the 60th / 70th / 80th / 90th percentile allowance, split between employer and employee by the shared-savings dial. Figures are directional, pending final actuarial review — your client's quote uses their census and claims.
The spread, episode by episode.
Lowest vs. highest guaranteed price for the same risk-adjusted episode, within one metro. Show the spread — then explain who pockets it today.
Oxbridge analysis of 8.2 million risk-adjusted commercial episodes, 135 episode types, four Texas metropolitan areas (working paper, June 2026).
From census to client meeting, fast.
Send a census
Standard census plus current plan design.
Pick the plan shape
HMO, PPO, RBP, or copay — whatever the client knows.
Get a quote
Modeled against guaranteed episode prices.
Present, quote-ready
Illustration support included.
Request a quote.
Tell us your market and we'll route you to the right distribution team. We carry the quoting and illustration load.