Four in ten drug policies require patients to fail on a cheaper medication first. A wave of 2026 state laws is starting to cap how long that can take.

A growing number of states let doctors with strong approval records skip prior authorization entirely. Here's how 'gold carding' works, and its limits.

A year after roughly 60 insurers pledged to streamline prior authorization, a new AMA physician survey shows the process is still slow, still denied often, and still eroding trust.