Most U.S. employers with health coverage offer prescription drug coverage, but employers with fewer than 50 full-time employees or full-time equivalents need not offer any coverage, let alone prescription drug coverage.

The total number of nonemployers grew an average of 2.7% annually between 2012 and 2023, while employers averaged only 1.1% growth year over year.

The true differentiator isn’t just who’s using AI, but how they’re using it.

The move could cut the cost of existing brand-name drugs but hurt the supply of new drugs.