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.  

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