The rules have changed.
Federal PBM reform has landed. CAA 2026 and new DOL disclosure rules mean employers can now demand transparency on rebates, spread pricing, and administrative fees that were previously invisible.
The pricing game has changed.
Cash pricing has quietly become a real benefits design tool. Employees are now saving up to 80% on their medications through models that didn't exist at scale two years ago.
Payment timing solutions make the other two work.
Two gaps are getting all the attention right now — transparency rules and price. But there's a third one that makes them both work harder. An employee who stands at the pharmacy counter a week before payday can't always complete the transaction — even at a lower price. They walk away to avoid an even heavier financial burden.. Payment timing is the gap that puts needed prescriptions in employees’ hands when they need them.
