A method of operating a health care needs fulfillment system, by: (a) a PBM contracting with a plurality of health care suppliers to fulfill a plurality of health care needs requests； (b) end users sending individual health care needs requests to the PBM； (c) the PBM selecting the health care suppliers to supply each of the end users' individual health care needs requests； and (d) the PBM alerting the selected health care suppliers to fulfill the end users' individual health care needs requests.
