The Discount That Isn't: How Pharmaceutical Copay Assistance Programs Inflate Drug Prices and Raise Your Insurance Premiums
Pharmaceutical manufacturer copay assistance cards and discount programs are widely marketed as tools that help patients afford expensive brand-name medications. But a closer examination of how these programs function reveals a more complicated picture—one in which artificially inflated list prices, insurer exclusion tactics, and corporate incentive structures ultimately shift costs back to patients through higher premiums. Understanding the mechanics of this system is essential for anyone navig