It’s not often that you sense a sea change in a large industry through a single event, but a few weeks ago, I experienced exactly that with regard to healthcare. I was just picking up eardrops at my local pharmacy. My ear hurt from an infection. It had been an issue for five weeks, starting with hearing loss and wax impaction. I was ready for medication. Then my pharmacist said, “That will be $177.00”. My face dropped. It was the shock of an HDHP newbie and it was the moment I realized how profoundly healthcare is changing.