[RHSeeger]

My understanding is that it's both of them.

- Lilly wants to set the price at, to pick a random number, $100 per bottle.

- PBM says "I need to tell the insurance company I saved them 50%, so you have to charge _my_ client 50% of list price"

- Lilly wants their business, so changes the list price to $200.

- Then Lilly "graciously" lets people without insurance use a coupon to _only_ pay $100 for it.

Everybody gets to pretend they're the good guy. But the insulin costs $5 to make.. so really, they're not (once again, made up numbers).

[srtjstjsj]

The only thing wrong here is a bit of silliness in the structure, the people who do have insurance but don't get the good negotiated price, and your made up numbers