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In the final part of his Pharma Commerce video interview, Philip Sclafani, PwC’s pharmaceutical and life sciences lead, points out that from biosimilars and site-of-care shifts to AI, value-based reimbursement, and potential legislative action, market deflators—not simple cost shifting—will determine whether affordability improves across employer-sponsored plans, Medicaid, and Medicare.

In the first part of his Pharma Commerce video interview, Philip Sclafani, PwC’s pharmaceutical and life sciences lead, discusses how from GLP-1 adoption to specialty drugs, behavioral health utilization, and hospital consolidation, multiple forces are reshaping employer-sponsored healthcare costs—and pushing premiums and cost-sharing higher.