After a life‑threatening emergency and months of confusing denials, Ali Diab turned his personal crisis into a mission to fix health benefits. In this episode, he shares how that experience led to founding Collective Health and the drive to put clarity and humanity back into insurance. We discuss opaque pricing, broken incentives in the insurance industry, the promise of self‑insured employer models, and the patience required to build meaningful change in healthcare. Listen for a thoughtful conversation about how a single moment can reshape purpose and why transparency and better incentives are essential to making care affordable and navigable.         Music Credit: "Upbeat Corporate" by Music For Creators is licensed under CC BY (Creative Commons Attribution) via freemusicarchive.org.