1. A method of operating a health care needs fulfillment system, comprising: (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.