“We decided to come to the table with a health-plan model that enables what we like to call radical affordability,” said Ashok Subramanian, CEO and co-founder of Centivo, in this episode of the Vanguards of Health Care podcast. Subramanian joins Bloomberg Intelligence analyst Jonathan Palmer to discuss how Centivo’s approach to self-funded employer plans focuses on reducing costs without sacrificing quality. By leveraging direct-provider partnerships and emphasizing primary care, the company aims to keep 75% of members’ out-of-pocket costs below $200 per year. The conversation covers how Centivo differentiates itself from traditional insurers, its expansion into new markets, and how it helps employers navigate high-cost treatments like GLP-1 drugs while maintaining sustainable benefits for workers.