Your employer picks your health insurance and you live with it. For the first time in decades, this $1T market is opening up. Why now? Three things are happening simultaneously: 1. Premiums keep rising, making employers want to shop for alternatives 2. DTC care raised consumer expectations, AI-native care is raising them more 3. AI is lowering the cost and complexity of building and operating a health plan Health plans have to compete again. A market that's long felt impenetrable is now…