Dr. Tony Dale is a British physician who immigrated to the United States in 1987. His career took some fascinating turns that led in 1996 to the founding of The Karis Group, one of the leading medical bill mediation and negotiation companies. In addition, the personal patient navigation services provided by Karis have provided a true insider look at the complexities of the medical work from the patient point of view. Dr. Dale founded Sedera Health in 2014, to provide a radically different economic model for companies to handle their staff health care costs. Borrowing from the experience of the Christian healthcare sharing ministries, whose members were exempted from the individual mandate of the ACA (Affordable Care Act), Sedera has developed into a rapidly growing alternative for companies looking for substantial cost savings within a free-market framework that does not depend on the benevolence (or otherwise!) of a government-controlled health care environment.