How Employers Can Future-Proof Their Benefits Before the 2026 Cliff Introduction The United States stands on the cusp of a seismic healthcare shift. With the enhanced Affordable Care Act (ACA) subsidies set to expire at the end of 2025, the very structure that has sustained the individual market may falter under its own weight. That … Continued
Oxbridge Health’s Giant Leap in Healthcare Consumerism Introduction Healthcare in the United States is undergoing a transformative shift – an “evolution of a revolution” – driven by new payment models and empowered consumers. At the center of this shift is Oxbridge Health, pioneering a model that combines episodes of care and functional transparency to create … Continued
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
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
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