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In the third part of his Pharma Commerce video interview, Alan Balch, PhD, CEO of the Patient Advocate Foundation and the National Patient Advocate Foundation, points out that from employer-paid premiums to Medicare and Medicaid subsidies, the US system relies on layered financial support to keep coverage within reach—underscoring how few individuals can realistically pay the full cost of care or insurance on their own.

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.