https://colsen8128.github.io/the-olsen-tribune/ A one-person newsletter on the business of pharmacy benefit managers. Primary sources, plain English, one careful read each week. en-us Copyright 2026 The Olsen Tribune colsen8128@gmail.com (Chris Olsen) colsen8128@gmail.com (Chris Olsen) Wed, 13 May 2026 12:00:00 GMT https://colsen8128.github.io/the-olsen-tribune/article-2.html https://colsen8128.github.io/the-olsen-tribune/article-2.html Six states forced insurers to start counting drug-copay assistance toward patient deductibles in 2025. The same insurers are running the same playbook in four new states in 2026. The names on the violator list don't change. The states do. Wed, 13 May 2026 12:00:00 GMT colsen8128@gmail.com (Chris Olsen) Copay Accumulators Pharmacy Benefit Managers https://colsen8128.github.io/the-olsen-tribune/article.html https://colsen8128.github.io/the-olsen-tribune/article.html Reading the Express Scripts decree, the agency didn't blow up the pharmacy-benefit-manager business model. It made the existing model the opt-out option. Here's what changes, what doesn't, and where the savings actually come from. Sun, 26 Apr 2026 12:00:00 GMT colsen8128@gmail.com (Chris Olsen) FTC v. Express Scripts Pharmacy Benefit Managers