Insurers are changing market dynamics, not waiting for outside forces to poke them with a stick. Humana, WellPoint, Aetna, UnitedHealthcare and many of the Blues are enthusiastic backers of physician medical homes in nearly every state. And there's even more activity around mergers, acquisitions and ACOs. You're in for a rude awakening if you expect insurers to just continue playing their good, old traditional role. Running time: 4:02.