Are Out-Of-Pocket Costs Needed to Prevent Drug Overutilization?

Would a healthy person really take a cancer drug if it were free? This drug-by-drug analysis examines the degree to which eliminating OOP costs would raise premiums due to over-utilization (not just increased appropriate utilization). Many branded drugs are so unpleasant that it’s hard to imagine why someone would need an OOP cost to deter inappropriate utilization.