Healthcare pricing is broken. We're the fix that makes sense.
A new category of health insurance, built by the team that has spent a career making healthcare purchasable.
Mission. Belief. Model.
Make healthcare purchasable
Expose the variance everyone pays for but no one can see — to employers, governments, and patients alike.
Price is not a report card
Research proves higher cost is not correlated with better quality. Everyone deserves price, quality, and performance data in one place.
One guaranteed price
The episode is the unit where variance lives — so it's the unit where cost can be measured, priced, and guaranteed.
The people behind OxbridgeHealth.
Will Herling
Chief Executive Officer
Lisa Schulte
Chief Operating Officer
Roger Francoline
President
Jay Silverstein
Chief Imagineer
John Lang
Chief Technology Officer
Steve Wiggins
Founder and Chairman
Where Episode Advantage Health Plans are today.
Live now for self-funded employers — with 100,000+ guaranteed-price episodes in each operating region.
New York · Cigna Healthcare®
New Jersey · Cigna Healthcare®
Connecticut · Cigna Healthcare®
Texas · Healthcare Highways & Cigna
The science behind our model.
The same care costs 2–20× more across town.
Within one metro, for the same risk-adjusted episode, the gaps are multiples — and higher cost is not correlated with better quality.
88% of the variance is efficiency, not price.
Only 12% of the gap is unit price. The rest is practice pattern: how many visits, how many images, how long the episode runs.
The episode is the unit where cost can finally be measured.
Assemble the full journey into one unit and the invisible becomes a number — one that can be priced, guaranteed, and managed.