Having been involved in EB and HR consulting for 38 years, I have seen and lived with the consistent lack of innovation in the way employers and their brokers have continued to approach the health insurance marketplace. However, over the last few years there has been a quite change taking place. A change, which allows employers to be more involved in how they provide benefits for and to their employees. The employers and the consultants that serve them are called disruptors. And after 38 years I am proud to be one.