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The tool "delivers a simple, secure way for households to begin engaging" with the program, according to Scott Bessent.

The ruling underscores an escalating legal fight over who controls out-of-network reimbursement decisions.

Clear plan communications and careful provider network management may help.

New final federal regulations will also require plans and insurers to answer questions related to eligibility within five days.

A planner thought he might have stumbled upon a loophole in program regulations. The reality is more complicated.

"I have patients increasingly coming to me saying, 'I hear it's not as expensive to get the pharmaceutical-grade branded version, can we switch over?'" said Dr. Michael Weintraub, assistant clinical professor of endocrinology at NYU Langone in New York.