Resources

Drug Benefit Integrity (DBI): The Five-Requirement Standard

An independent standard with five structural requirements for ensuring pharmacy benefit decisions are made in the plan's interest.

Direct-to-Employer Drug Programs (DTE): What Employers Need to Know

Manufacturers are going direct. Learn what DTE means, how it works, and what infrastructure is required to bring these programs inside the benefit.

What Is Lowest Net Cost Prescription Routing?

Every plan sponsor wants the lowest net cost. Here is what the term actually means and why it matters across all channels.

PBM Fiduciary Compliance: How Employers Can Prove Prudent Oversight

CAA 2026, the DOL proposed rule, and ERISA litigation are raising the bar. A practical guide to demonstrating fiduciary prudence.

What Is a Direct-to-Employer Pharmacy Benefit Program?

A direct-to-employer pharmacy benefit program lets self-funded employers access manufacturer-direct drug pricing inside their benefit, bypassing PBM intermediaries for targeted high-cost drugs.

March 31, 2026

How Manufacturers Can Launch a Direct-to-Employer Drug Program

Launching a manufacturer direct-to-employer drug program requires more than pricing. Here is the operational infrastructure required to make a DTE channel work inside an employer benefit.

April 1, 2026

ERISA, CAA, and the Self-Funded Employer's Duty to Evaluate Direct Drug Channels

CAA 2026 raised the bar for pharmacy benefit fiduciary oversight. Self-funded employers now face personal liability for drug benefit decisions they cannot document.

April 2, 2026

GLP-1 Employer Benefit: Manufacturer Direct vs. PBM -- What's the Actual Cost?

PBMs report low net GLP-1 costs. Manufacturers are offering direct pricing. Here is how to compare the two channels accurately and what self-funded employers are actually paying.

April 4, 2026

What Benefits Consultants Need to Know About Manufacturer-Direct Pharmacy Programs

Manufacturer-direct pharmacy programs are arriving in employer benefit conversations faster than most consultants are prepared for. Here is what the model actually requires and how to evaluate it for clients.

April 7, 2026

How to Evaluate a Direct-to-Employer Pharmacy Platform: Five Questions to Ask

Not all direct-to-employer pharmacy platforms are equivalent. Here are the five structural questions that separate genuine pharmacy benefit infrastructure from clinical wrappers and cash-pay workarounds.

April 8, 2026

ERISA Fiduciary Duty and Pharmacy Benefits: What Every Self-Funded Employer Must Know in 2026

Plan fiduciaries face personal liability for pharmacy benefit decisions under ERISA. Here is what the prudent expert standard requires, what CAA 2026 changed, and how to demonstrate compliance.

April 9, 2026

How to Evaluate PBM Fiduciary Alignment: A Practical Guide for Plan Sponsors

Not all PBMs are fiduciary-aligned. Here is what genuine fiduciary alignment requires, how to evaluate your current PBM against that standard, and what to do when the arrangement falls short.

April 10, 2026

CAA 2026 and Pharmacy Benefits: What Self-Funded Employers Must Do Now

The Consolidated Appropriations Act of 2026 created new PBM disclosure requirements, rebate pass-through mandates, and fiduciary obligations for self-funded employer health plans. Here is what changed and what plan sponsors must do.

April 11, 2026

How to Audit Your PBM: A Practical Action Guide for Self-Funded Employers

Most self-funded employers have never audited their PBM. Under ERISA and CAA 2026, that is a fiduciary risk. Here is a practical step-by-step guide to evaluating your PBM arrangement and documenting prudent oversight.

April 12, 2026