Tom Croswell, Harvard Pilgrim-Tufts merger architect

Tom Croswell, the insurance executive who orchestrated the merger of Harvard Pilgrim Health Care and Tufts Health Plan, says combining the second and third largest health insurance companies in the state will pay dividends for consumers, but he’s not so sure about the benefits of similar consolidations elsewhere in health care.

Croswell estimates the combined nonprofit company, which hasn’t been christened with a new name yet, will eliminate duplicative infrastructure and realize $100 million in premium savings for consumers over the next five years.

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