I don't understand this thought of patients being

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I don't understand this thought of patients being priced out... insurance pays the cost. The patient's costs wouldn't change.

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For combo unmet need, I believe the insurance will pay the 120k per year. But with mono, 120k a year, I'm not sure if someone requests switching to a new drug for treatment, paying 4x more, I'm not sure the insurance will agree to pay if their old drug is giving suppressed viral load.