Oxbridge Health

What Oxbridge Health does

Oxbridge Health is a private third-party administrator (TPA) that designs, develops, and administers Episode Benefit Plans for self-funded employers. Founded in 2021 and headquartered in Norwalk, Connecticut, the company replaces volatile fee-for-service billing with guaranteed episode-based pricing across 124+ common care episodes, claiming 10-20% employer cost reduction (up to 20-30% with shared savings incentives) and up to 60% savings on individual care episodes. Its core offering is delivered through Episode Advantage, a proprietary shopping platform that lets members browse episodes, see guaranteed prices upfront, compare providers on quality and value, and choose before care begins; members retain the ability to use any qualified provider rather than being restricted to a narrow network.

The underlying technology stack includes the TIGERS rules-based episode definition framework, Episode Accumulator real-time spending tracking software, and Quilt, a proprietary AI-powered engagement engine that uses predictive modeling, data clustering, and precision multi-channel communication to drive consumer decisions. The company also operates a Platform as a Service (PaaS) model with API integrations to PBM, claims, enrollment, and payment systems, supporting bundled payment contract administration. Oxbridge generates revenue through administrative fees charged to self-funded employers — it is explicitly not an insurance company and does not collect premiums. Distribution combines direct enterprise sales to self-funded employers, a broker/benefits advisor channel, and provider network partnerships with Cigna Healthcare (NY/NJ/CT and Texas) and Healthcare Highways (Texas). The company currently operates in two regional markets (NY/NJ/CT and Texas, the latter launched February 2025 with coverage beginning April 2025 in Dallas, Houston, Austin, and San Antonio).

Name

Oxbridge Health

Legal name

Oxbridge Health, Inc.

Website

https://oxbridgehealth.com

Company type

Private

Founded year

2023

Operating status

Operating

Headcount range

11–50 employees

Short description

Oxbridge Health is a third-party administrator that designs and administers Episode Benefit Plans for self-funded employers, replacing fee-for-service billing with guaranteed episode-based pricing across 124+ care episodes, serving employers, brokers, and members primarily in NY/NJ/CT and Texas.

Ownership category

akta.pro rank

Product category

Third-Party Healthcare Administration

NAICS

Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292), Insurance and Employee Benefit Funds (5251), Health and Welfare Funds (525120)

SIC

Hospital & Medical Service Plans (6324), Insurance Agents, Brokers & Service (6411)

akta.pro industry

PRIMARYHLAEALAJ

Compliance, Reporting & Regulatory Administration (ERISA/ACA/No Surprises)

Healthcare & Life Sciences/Health Insurance & Managed Care/Third-Party Administration (TPA) & Administrative Services Only (ASO)

Keywords

• Episode-based health plans
• Third-party administration
• Bundled payment administration
• Self-funded employer benefits
• Healthcare price transparency

Headquarters

HQ city

Norwalk

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Third-Party Administrator (TPA) Fees: Oxbridge Health operates as a third-party administrator (TPA) for self-funded (self-insured) employer-sponsored health benefit plan products. Revenue is generated through administrative fees charged to employers for managing their health benefit plans, not through insurance premiums since the company is not an insurance company.
2. Episode-Based Plan Administration: Fees for administering Episode Benefit Plans with Guaranteed Price Episodes, bundled payment contracts, and episode of care allowances. The company helps employers reduce healthcare spend by replacing volatile fee-for-service billing with guaranteed episode pricing.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Oxbridge Health is a third-party administrator (TPA) that designs, develops, and administers Episode Benefit Plans for self-funded (self-insured) employers, replacing volatile fee-for-service billing with guaranteed episode-based pricing. Its Episode Advantage shopping platform lets members browse care episodes, compare provider quality and value, see guaranteed upfront prices, and earn shared savings when choosing care below the allowance. The platform supports 124+ common care episodes with upfront bundled pricing across more than 50,000 episode care groups.

Product overview

Oxbridge Health offers a portfolio of integrated healthcare products centered on Episode Benefit Plans — self-funded employer health benefit plans that replace volatile fee-for-service billing with guaranteed episode-based pricing. Episode Benefit Plans are powered by the Episode Advantage platform, which provides a shopping experience enabling members to compare guaranteed prices and quality across providers before care. The ecosystem includes Quilt, a proprietary AI-powered engagement engine that delivers personalized nudges and recommendations, and the Benefit Bank shared savings feature that rewards members for cost-conscious decisions. The company operates a Platform as a Service (PaaS) model that can integrate with employer and third-party administrator systems.

Differentiator

Problem solved

Functional benefit

Products and services

• Episode Benefit Plans Self-funded employer-sponsored health benefit plans that replace fee-for-service billing with guaranteed episode-based pricing. Designed for self-funded employers seeking 10-20% healthcare cost reduction while giving employees freedom to choose any physician or facility, with no surprise bills.
• Episode Advantage Proprietary shopping and engagement platform powering Episode Benefit Plans. Members browse care episodes, see guaranteed prices upfront, compare providers on quality and value, and choose confidently before care begins, with savings up to 60% on individual care episodes.
• Quilt Proprietary AI-powered engagement engine using predictive modeling, data clustering, and precision communication to help members make better healthcare decisions through personalized multi-channel nudges delivered via text, video, call, app, email, SMS, social, and native app.
• Platform as a Service (PaaS) Technology infrastructure enabling payers, providers, and consumers to transform health insurance into a transparent, competitive healthcare marketplace. Supports Guaranteed Price Episodes, bundled payment contracts, episode of care allowances, and real-time episode tracking with API integration into PBM, claims, enrollment, and payment systems.

Quantifiable outcome

• 10-20% employer healthcare cost reduction
• +5 more outcomes

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability6 records

Feature7 records

Partnerships

Two partnerships are on record, tiered core.

• Cigna HealthcarecoreChannel Partner/ Reseller/ DistributorCigna Healthcare serves as a provider network partner in NY/NJ/CT and Texas markets. Providers contracted through Cigna participate in Oxbridge's episode-based plan, offering members access to Cigna network providers who accept bundled episode pricing for covered care episodes.
• Healthcare HighwayscoreChannel Partner/ Reseller/ DistributorHealthcare Highways serves as a provider network partner in the Texas market. Providers through Healthcare Highways participate in Oxbridge's episode-based benefit plans, providing members with access to care options that accept bundled episode pricing.

Scale indicators8 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Centivo: Centivo offers self-funded employer health plans with bundled pricing for primary and specialty care through a curated provider network. Directly comparable to Oxbridge as a TPA-style alternative to traditional carriers, focused on cost transparency for employers.
• Carrum Health: Carrum Health provides bundled-payment surgical and procedural benefit programs to self-funded employers with guaranteed pricing and quality outcomes. Closely comparable on the bundled episode model and self-funded employer GTM.
• Lantern (formerly SurgeryPlus): Lantern offers a surgery benefit management platform for self-funded employers featuring bundled episode pricing across a Centers of Excellence network. Comparable to Oxbridge's Episode Advantage for surgical episodes.
• Remedy Partners: Remedy Partners is an episode-based bundled payment administrator founded by the same entrepreneur as Oxbridge. Highly comparable in bundled episode methodology and BPCI-style administration, though focused historically on CMS programs.

Emerging players

• Sano Surgery: Sano Surgery delivers bundled-price surgical benefits to employers and health plans, with transparent episode pricing. Comparable to Oxbridge's approach for elective surgical episodes, but narrower in scope.
• HealthCorum: HealthCorum provides analytics and episode-of-care benchmarking for self-funded employers and TPAs. Adjacent to Oxbridge's provider performance measurement and episode pricing intelligence.
• Virta Health: Virta Health offers bundled-pricing diabetes reversal programs to self-funded employers. Comparable as an emerging player in episode-based chronic care contracting, intersecting with Oxbridge's diabetes care offerings.

Broad incumbents

• Aetna: Aetna is a major health insurer offering self-funded administrative services and bundled-payment initiatives. Comparable as a broad incumbent alternative to Oxbridge's TPA model for self-funded employers.
• Cigna Healthcare: Cigna is both an Oxbridge provider-network partner and a broad health services incumbent. Comparable as a major self-funded administrator and stop-loss carrier competing in the same employer segment.
• UnitedHealthcare: UnitedHealthcare provides large-scale TPA and self-funded plan administration alongside Optum's value-based care capabilities. Comparable as the dominant incumbent alternative in the self-funded employer market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/oxbridge-health

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Oxbridge Health