The Texas company sells employers a practical wager: make primary care easier to use, and expensive care may become easier to avoid. The interesting part is how it gets paid to make that happen.
A factory visit exposed the gap between what glasses cost to make and what Americans paid. XP Health turned that gap into an employer benefit built around clear prices, online shopping, and local eye care.
A consumer clinic taught physician-founder Scott Shreeve that better care was not enough - distribution was the real diagnosis. Crossover's employer pivot turned one awkward storefront into a hybrid care network, and a 2026 merger gave the model national heft.