Is the Health Plan Industry a Growth Oriented Industry?

There are probably some folks listening to this podcast and maybe think a little bit negatively about the fact that the competitive dynamics are shifting. Is negative or pessimistic the right way to be thinking about what's happening in the insurance market? We have been seeing more and more in suretex disruptors, it used to be called start up plans, that are investing a lot into the member engagement aspect of this. But it's not just these plans hare doing this; blue cross bluefield of louisiana has invested a lot in redoing their entire data structure.