Novo Nordisk (Ozempic)

8922.435 - 8948.656 Ben Gilbert

Insurance companies are going to churn you every 3.7 years or sooner if your company changes the insurance plan. So their incentive is to cover you only in two categories of things. One, things that pay themselves back in less than 3.7 years. Or two, things that have such an overwhelming demand from employees that their employers think that they absolutely have to cover them to stay competitive.