Austin Madison is Senior Vice President of The Crichton Group. He runs the employer benefits side of the firm, working with companies to build appropriate health insurance plans, along with keeping track of regulatory and compliance issues. Like all of us in healthcare, Madison is watching significant changes in the industry, leading to realignment in relationships among the many stakeholders, as well as new mechanisms for consumers to take more control of their interaction with the entire medical system. Our interview covered disruption and shifts among three groups: employers, payers and consumers.