Patient groups have long urged CMS to bar the accumulator practice. But in its 2021 Notice of Payment and Parameters — which sets exchange plan policy – the agency allowed use of accumulators, and the policy remained in place for plan years 2022 and 2023 despite patient group objections. In August, three groups — HIV+Hepatitis Policy Institute, Diabetes Leadership Council and Diabetes Patient Advocacy Coalition — sued HHS over the policy.
War over drug-cost assistance traps sickest patients in the middle
“This is a battle between pharmaceutical companies, insurers and PBMs, and patients are caught in the middle,” said Carl Schmid, executive director of the HIV and Hepatitis Policy Institute, which is a plaintiff in the lawsuit seeking to overturn the federal government’s copay accumulator rule.
Podcast: Health Policy Litigation: A Quick Tour on Current Events
Health Affairs’ Kathleen Haddad and Chris Fleming conduct a whistle-stop tour of the current health policy litigation flowing through the courts, including the lawsuit filed by the HIV+Hepatitis Policy Institute and other consumer advocates to require that PBMs and insurers count manufacturer copay assistance towards patients’ out-of-pocket costs.
Lawsuit challenges federal copay accumulator policy
On August 30, 2022, a coalition led by the HIV and Hepatitis Policy Institute filed a new lawsuit in federal district court in DC to challenge a Trump-era policy that allows insurers and pharmacy benefit managers (PBMs) to not apply financial support from a drug manufacturer towards a patient’s deductible or annual out-of-pocket maximum. If an insurer or PBM adopts such a policy, the enrollee cannot “count” a copay or other drug manufacturer coupon—typically used to help reduce patient costs at the pharmacy counter—towards a patient’s overall annual out-of-pocket costs.
HIV groups struggle to get insurance coverage for expensive prevention drugs, lab tests
Carl Schmid, executive director of the HIV+Hepatitis Policy Institute, said coverage is vitally important for those at risk of HIV infection. “If somebody wants to be on PrEP, there’s a reason and you want to make it easy as possible,” Schmid said. “We’re still hearing complaints from all different parts of the country,” from people who forego the drug regimen over concerns about affordability.