Next year will be big for healthcare. We felt small tremors in 2014 of the seismic changes underway. In 2015, I predict five changes to the core of the U.S. healthcare system: insurance, pharmaceuticals, supplies, medical services and payments. Let's take a look at each of these trends, what they mean for the healthcare sector, and what they mean for you. Predictions include Walmart becoming a healthcare insurer, startups selling into big pharma (with a profit, no less), Amazon undercutting the medical supply chain, and more.