Under copay accumulator programs, the monthly copayments drug companies make don't count toward patients' plan deductibles or out-of-pocket maximums. (Photo: Shutterstock)

Since Kristen Catton started taking the drug Gilenya two years ago, she's had only one minor relapse of her multiple sclerosis, following a bout of the flu.

She can walk comfortably, see clearly and work part time as a nurse case manager at a hospital near her home in Columbus, Ohio. This is a big step forward; two drugs she previously tried failed to control her physical symptoms or prevent repeated flare-ups.

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