For decades, the American health care system has excelled in crisis, meeting people at their most vulnerable and delivering world-class, life-saving care. But for most Americans, the daily experience of staying healthy still feels fragmented, reactive, and disconnected.

In this conversation, TIME CEO Jessica Sibley sits down with Daryl Tol, President of HATCo, to explore a bold alternative: health assurance. General Catalyst’s HATCo is shaping a new model of health care that aims to assure access, affordability, and truly proactive care for every person, no matter the hour. Rather than treating health as a series of isolated encounters, health assurance envisions a continuous, always-on journey — where technology and clinicians work in concert to support individuals long before a crisis emerges.

Tol shares examples of how this future is already taking shape. From automated care pathways for congestive heart failure to AI-driven communication flows that allow clinicians to respond in seconds, HATCo’s work shows how innovation and radical collaboration can dramatically reduce burden, eliminate unnecessary visits, and build trust between consumers and providers.

This discussion is a window into how health systems can evolve to focus on consumers, embrace digital tools, and work across traditional boundaries to create a more resilient, more humane, and more connected experience.