One of the major issues causing high premiums on our pharmaceutical drugs is due to research and development. The question is: why are drug prices lower in other countries? Outside the US, the countries pay for the manufacturing cost of the drug and a very small profit on the cost of manufacturing. But here in the United States, we pay a tremendous amount of money for benefits on behalf of pharmaceutical companies. This is something you might want to discuss with your legislators to make a change on these so expensive drugs. Please call me if you have any questions.