Ensuring patients can get the medicines they need to live longer, healthier lives is critical; insurance coverage should provide patients with access to high quality medicines. Whether covered through an employer-sponsored plan, private coverage or a plan from the health insurance exchange marketplace, consumers should be engaged and empowered in their health care decisions. But insurers are increasingly using high deductibles, coinsurance and multiple cost sharing tiers, which result in high cost sharing for some patients. High cost sharing for medications may limit patient access to needed treatments, reduce adherence and lead to poor health outcomes. For more on insurance coverage basics visit and for comprehensive reports on coverage and access explore .