Modern pharmacy benefits are sophisticated by design. PBMs manage enormous networks, negotiate rebates, build formularies, and administer claims for millions of members across thousands of plan designs. It's a complex, high-volume operation — and while some may think it works, that kind of complexity creates blind spots. In pharmacy benefits, those blind spots tend to show up in the same places: the gap between what a member pays at the counter and what they could pay with a

Every benefits vendor promises a seamless implementation. Few deliver.   If you've been in HR and benefits long enough, you know the drill: the sales experience is polished, the demos are impressive, and somewhere between contract signing and go-live, things get complicated. Suddenly you're the project manager for a solution you just bought. Meetings multiply. Decisions pile up. Your team absorbs the lift.   Pharmacy benefits is already one of the most complex categories you

As we move through 2026, several high-profile medications are entering the market, promising new options for patients across a range of conditions. We sat down with Dr. Paul Bradley, Chief Medical Officer at Scripta Insights, to get his perspective on just how game-changing these drug launches could be for patients, plan sponsors, and the bigger healthcare landscape. The GLP-1 Competition Heats Up The GLP-1 market continues to dominate headlines, and new drugs from Novo Nordi

Novo Nordisk's oral Wegovy pill is now available, and HR and benefits teams are asking the same questions: Will this reduce costs? Will it improve access? Will members finally stop calling about GLP-1 coverage?   At Scripta, we're already seeing what's happening on the ground—and the reality is more complicated than the headlines suggest. Here's what plan sponsors need to understand as this new formulation enters the market. "Oral" Doesn't Mean Lower Cost or Easier Access   T

Cigna’s announcement that Evernorth will move away from traditional manufacturer rebates and toward up-front, net drug pricing reflects a broader industry reckoning: opaque pricing models are no longer sustainable in a healthcare environment under intense cost scrutiny.   For HR and benefits professionals, this shift is welcome. Net pricing promises clearer visibility into drug costs and a more straightforward financial model. But transparency—on its own—does not guarantee be

By Antonio Ciaccia, Co-Founder of 46brooklyn Research and President of 3 Axis Advisors As we close out 2025, it's time to examine what this year revealed about the prescription drug marketplace—and what it means for employers heading into 2026. I recently joined Scripta Insights for a "pharmacy benefits autopsy" to dissect the year's most significant developments. What emerged wasn't just a story about new drugs or evolving regulations, but rather a clear picture of how deepl