Insurance – Zero Deductibles, Free Primary Care | $520m Centivo CEO Ashok Subramanian

In this episode, we sit down with Ashok Subramanian, founder and CEO of Centivo, a company rebuilding employer-based healthcare to make it radically more affordable. Before founding Centivo, Ashok launched Liazon, a benefits marketplace acquired by Willis Towers Watson, and began his career at McKinsey.Ashok shares how Centivo is tackling the root causes of rising healthcare costs by centering plans around primary care, eliminating deductibles, and aligning incentives between employers, employees, and providers. He explains why the current “one-size-fits-all” model of employer coverage fails a diverse workforce, and how a more personalized, coordinated approach can improve both cost and quality. Finally, Ashok offers a vision for the future of employer-based care: one where affordability, access, and trust define the healthcare experience.