💊 What “Most Favored Nation” Drug Pricing Could Mean for Your Wallet — and the Future of U.S. Healthcare

Brought to you by XactInsure — Your Health, Protected. With a Smile.

“We’re All Gonna Pay the Same” — Breaking Down the Bold New Drug Reform Proposal

In a recent statement, former President Donald Trump introduced a term that’s gaining traction fast: “Most Favored Nation” pricing for prescription drugs.

“We are gonna pay the lowest price there is in the world… Whoever is paying the lowest price, that's the price we're going to get.”

What does that mean? In short: the U.S. would no longer pay sky-high prices for life-saving medications while countries like France, Canada, and Germany get the same drugs for half the price.

At XactInsure, we see this as a monumental shift — and one that directly supports our mission to help everyday people access affordable care without sacrificing quality.

🏛️ What Is “Most Favored Nation” Pricing?

In international trade, the “Most Favored Nation” rule means a country must offer the same low price or better terms to all trading partners. When applied to healthcare, it means U.S. insurers and pharmacy benefit managers would only pay the lowest price available globally for a drug.

🔍 Real-World Example

• A diabetes medication might cost:
  💵 $240 in the U.S.
  💶 $90 in Germany
  🇨🇦 $65 in Canada

Under MFN pricing, U.S. patients could pay $65, not $240.

This change wouldn’t just lower copays and deductibles — it would rewrite the way pricing negotiations happen between the U.S. government and Big Pharma.

💬 XactInsure’s Take: This Is Exactly What Our Clients Deserve

At XactInsure, we believe no one should have to choose between:

• Paying for a prescription
• Paying their rent

We’ve worked with clients who’ve had to ration insulin, skip medications, or delay care because of opaque and inflated drug costs.

✅ Most Favored Nation pricing levels the playing field
✅ It aligns with our mission to help people get coverage they can use
✅ And it restores fairness in a system where Americans have too often carried the highest burden

💥 What This Means for ACA Members

If you’re covered under an Ambetter, Oscar, Molina, Aetna, Cigna, UnitedHealthcare, or Blue Cross ACA plan, this shift could dramatically lower your out-of-pocket medication costs.

Here’s how:

CarrierCurrent Drug Pricing StructurePotential Change with MFNAmbetterTiered pricing, subject to formularyCould reduce Tier 3+ drugs by 40–70%OscarApp-based cost visibility, higher brand name costsMFN may lower branded prescriptions significantlyCignaOften requires step therapy, copays varyLower base price = lower copaysUnitedWide drug coverage, but high OOP maxMFN could save $1,000+ annually for chronic users

🔎 Common Questions

🧠 Q: Will this make my coverage more affordable?
👉 Yes. Lower drug costs mean lower total expenses and could influence plan premiums in future years.

🧠 Q: Could it limit my access to certain medications?
👉 Possibly. Pharma companies may push back. But smart insurers (like many on the ACA Marketplace) already build flexible, affordable formularies.

🧠 Q: Does this apply to Medicaid and Medicare too?
👉 Yes. MAHA initiatives target pricing reforms across all federal and exchange programs.

📘 Related XactInsure Resources

Keep learning and saving:

• ✅ How Preventive Care Lowers Your Total Costs
• ✅ On vs Off Exchange: Why Your Drug Prices Vary
• ✅ ACA Subsidy Calculator — Can You Get a $0 Plan?

📞 Let XactInsure Help You Compare the Best ACA Drug Coverage Options

We’re keeping tabs on every federal change so you don’t have to. Whether MFN pricing is implemented this year or next, we’ll help you:

• ✅ Compare ACA plans with the best pharmacy benefits
• ✅ Estimate your real prescription costs
• ✅ Lock in your subsidy to maximize savings

📲 Visit XactInsure.net or call 239-341-9545 to speak with a licensed advisor today.

XactInsure. Your Health, Protected. With a Smile. 😄