Rising healthcare costs, evolving consumer expectations, new market entrants and a changing legislative landscape are forcing payers to turn to emerging technologies and AI to reinvent themselves. The COVID- 19 outbreak will also force disruption in traditional ways of business and value chain, leading to consolidation of AI based solutions and adoption of digital solutions as the key driver of payer business. Health Tech startups are leading the front in disruption but the traditional behemoths (driven by strategic M&A) are not far behind