Many patients with commercial health insurance continue to pay high out of pocket costs, making it harder for patients to afford their prescriptions—even as the amount insurance companies pay continues to grow more slowly, if at all. Unfortunately, when patients must pay more out of pocket for their medicines, they often fail to fill the medicines their doctors prescribe or ration medicines to make them last longer. This can lead to serious complications and worse health for patients, which could ultimately lead to higher overall health care costs.