Health plans that don’t share rebates with plan participants during the deductible period are substantially overcharging them and risk rising costs on the major medical side.

Approximately 10% – 15% of the average U.S. health insurance plan is spent on prescription drug costs, while 85% – 90% is spent on major medical costs, such as emergency room visits and hospitalizations. 

Cutting costs in the 10 – 15% will only go so far; cut too much, and patients who can’t afford their medication quickly find themselves in the ER.  

Complete your profile to continue reading and get FREE access to, part of your ALM digital membership.

Your access to unlimited content isn’t changing.
Once you are an ALM digital member, you’ll receive:

  • Critical information including cutting edge post-reform success strategies, access to educational webcasts and videos, resources from industry leaders, and informative Newsletters.
  • Exclusive discounts on ALM, BenefitsPRO magazine and events.
  • Access to other award-winning ALM websites including and

Already have an account?


Join BenefitsPRO

Don’t miss crucial news and insights you need to navigate the shifting employee benefits industry. Join now!

  • Unlimited access to - your roadmap to thriving in a disrupted environment
  • Access to other award-winning ALM websites including and
  • Exclusive discounts on and ALM events.

Already have an account? Sign In Now
Join BenefitsPRO

Copyright © 2023 ALM Global, LLC. All Rights Reserved.