What happens when three of the sharpest minds in Minnesota’s health care industry decide to tackle the individual market? The answer is Bright Health, a startup that reduces costs by partnering with health providers in a given metro. Though currently only offering plans in Denver and Birmingham, Ala., the trio’s credentials (Sheehy is former CEO of UnitedHealthcare, Rolfing is a former CEO of Definity Health and RedBrick Health, and Valdivia is a serial health care entrepreneur) helped the organization raise hundreds of millions of dollars. Expect further investment and new markets—Bright Health will expand to Arizona in 2018—as the new year begins.