Specialty drugs now exceed 50% of employer pharmacy spend. With oncology, GLP-1s, and $3 million gene therapies in the 2027 pipeline, here's what self-funded employers need to do before it hits.
GLP-1 usage doubled in less than two years. Before you finalize your 2027 formulary, here's how to build structured coverage that doesn't blow your pharmacy budget.
GLP-1 drugs now make up 20-25% of pharmacy spend on some employer plans, with costs jumping 50% in 2025. Here's how to find your number and manage it without blanket denials.
Carve-out gives you PBM contract transparency and audit rights. Carve-in shows a 17.7% reduction in hospitalizations. For a 250-life employer, the wrong default costs $400 PMPY.
Your PBM's 100% rebate pass-through contract may be technically accurate and still hiding millions in retained margin. Here's how GPO entities extract fees before the pass-through clock ever starts.
