Abstract: A computer-related method and cloud-computing based system for facilitating relationships between providers of healthcare service, consumers of healthcare services, and payers of healthcare services using a healthcare disruption marketplace. The method involves one or more payers of healthcare services assembling data about consumers in a secure database. The payer may then choose to engage the marketplace whereby protocols are established to allow healthcare service providers access to the established data in the database. As various healthcare service providers choose to engage the marketplace, the service providers may offer bids at the marketplace to be accessed by consumers such that each consumer may choose amongst bids for healthcare services. Upon selection, the consumer's decision is assimilated within the marketplace and triggers establishing a pay relationship between the healthcare service provider and the payer.