Rx spend is quietly one of the biggest variables in a group's move from fully insured to self-funded — and one of the easiest things to leave unmanaged once they get there.

Host Lad Williamson unpacks why carrier formularies and PBM contracts don't manage themselves, why pharmacy now regularly exceeds 30% of total plan spend, and the two questions every broker should be asking their groups before 1/1 renewals.

Five minutes, no fluff — just what you need to know this month.