Patrick Gilligan has a lifetime of experience in health care. One year ago, he accepted the role of CEO of Point32Health, a regional nonprofit health insurance provider. On this month’s edition of Health or Consequences, hosts John McDonough and Paul Hattis ask Gilligan to take a deep dive into the current state of health insurance. Are patients getting what they’re paying for? How are health insurers cutting costs while remaining competitive? How is market consolidation contributing to rising health care costs? And what policies might help stem the tide?