Since even before PPACA became law five years ago, brokers have been sweating bullets. And I'll admit, I've been alternatively worried and excited for them over the years. I've honestly gone back and forth a number of times — especially over the last 12 months.

But not until recently have I been worried about the other players in the health care — and insurance — business. This week, while walking the all-too-energetic dog around the neighborhood in the rain, I had an epiphany: This whole business is changing, not just the role of brokers. Hell, in as little as a decade, we might not even recognize this industry.

(It was also then that I recalled a stat from a conference last month — where one of the speakers suggested that by 2025, 90 percent of all businesses will leave the health insurance space. Which sounds more frightening than it is considering how many newcomers are already making waves. Hello, Zenefits.)