BROADCASTS.com

b'Disruption will come from below (i.e. start-ups) that come to market with new business models (peer-to-peer for example). Startups that embrace technology and creativity. \\n\\nChange ultimately will be driven by consumers. Consumers will be empowered as personal health data becomes readily available through new technologies such as the Apple Watch and various health data apps. \\n\\nLocal care centers like MedExpress (now Optum) and online marketplaces owned and operated by Amazon, Walmart and the like are the future. \\n\\nThese marketplace changes combined with de-regulation/ forced competition (wishful thinking?) will eliminate the bloat and the "wag the dog" administrative state forced upon us by the political class. Only through deregulation will the insurance companies be forced to compete for our business. Only then will premiums come down as insurance oligopolies are replaced with a competitive market place across state lines and nationally. Competition will force drug prices down as well. \\n\\nWe will only maximize the potential offered by tools such as the Apple Watch and enjoy the benefits of providers with new business models if we eliminate regulations put in place by politicians whom have been bought off by lobbyists employed by healthcare insurers and large pharmaceutical companies. If we don\\u2019t change the status quo \\u2013 as citizens our tax bill will only grow as we continue to subsidize a system that benefits insurance carriers and pharmaceutical companies at our expense.'