Episode Details

For sixteen years, Larry Gruber relied on a coupon to cover his arthritis medication—letting him pay nothing for the rest of the year. But his new insurer, Oscar HMO, stopped counting the coupon, leaving him facing thousands in monthly costs. This is part of a growing trend: copay accumulator programs designed to slash drug costs for insurers, but critics warn they’re pushing patients into financial ruin. Larry’s now rationing his meds and fearing for his savings, trapped by a system that shifts rules without warning. While some states ban these programs, Florida still allows them—even though the insurer’s own portal initially showed the coupon was working. As drugmakers and insurers blame each other for soaring healthcare costs, patients like Larry are left footing the bill, unsure who to trust or how to survive.

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