Medicare

How the “non-EHB” loophole is hurting employees and raising long-term costs

It’s no secret that employee health benefits are expensive. And understandably, employers and their benefits advisors are looking for ways to curb that spending. But in the pursuit of short-term savings, some are turning to an “insurance” scheme that shifts financial risk onto employees, disrupts essential medical care, and can ultimately result in higher long-term costs for businesses. Benefits professionals would be wise to recognize these schemes for what they are—and avoid them.

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A hidden insurance scheme is hurting patients

The Trump Administration can deliver a win that puts Americans first and tackles high medication costs for families. Today, glaring loopholes are empowering insurers and middlemen in our healthcare supply chain to sidestep regulations and patient protections and shift costs onto hardworking Americans. But, a simple promised fix can turn that around.

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Pharmacy benefit managers have become too powerful

Policies to reform the ability of benefit managers to profit from medication list prices and rectify misaligned incentives that lead to increased patient costs are critical to address their predatory role in our health system. Without action to advance proposals that would help patients better access the medicines they need, patients in Illinois and across the country will continue to be subject to pharmacy benefit managers’ “profit over patients” model. In the new year, Congress must act on reform.

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Biden-Harris must ensure access to HIV prevention drugs

The Biden-Harris administration has a historic opportunity to help end HIV. New, cutting-edge drugs that prevent HIV are hitting the market, but insurance companies are trying to twist the rules to deny access to these remarkable therapies. The White House could stop these abuses and put the country on the right course for decades ahead and prevent hundreds of thousands of new HIV transmissions.

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Administration Must End Prescription Drug Insurance Scheme

If the administration does not act, patients nationwide will continue to be subject to schemes that lead to higher out-of-pocket costs for the medications they need, risking medical debt or facing treatment delays and lack of adherence. To protect patients, essential health benefits drugs must be rightfully treated with the gravity that their name implies—medications that are “essential” to a healthy life for patients.

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