Back to resources

Insurance

Medication adherence and insurance costs

Medication non-adherence can contribute to avoidable complications, unused prescriptions, and preventable costs. For insurers, the opportunity is to support patients earlier without turning adherence into surveillance.

Published Last updated 6 min read

Insurer cost opportunity

CHF 174mof the 2024 savings target remains open

Helsana's 2025 report points to a gap insurers can make actionable with earlier medication-routine signals, targeted support, and cost-aware adherence workflows.

Make adherence risk visible earlier

Daily intake records give prevention teams a signal before claims data arrives late.

Focus support where it matters

Exception-based workflows help insurers route coaching to members and medicines with visible routine risk.

Connect routines to cost-aware care

Substitution and refill conversations become easier to support when medication routines are clear.

Open savings opportunity

CHF 174m still open against the target

Target

CHF 250m

70%

CHF 174m still open

Realized

CHF 76m

Still open

CHF 174m

Substitution potential

CHF 65m

Helsana figures describe Swiss medication-cost and substitution context. They are not measured Adherlo outcome data.

Frame adherence as prevention support

For chronic conditions, medication only delivers intended value when it is taken consistently enough to support the care plan. Insurers can treat adherence as a prevention and support problem, not only as a cost-control metric.

  • Focus on helping members stay with appropriate therapy.
  • Connect adherence support to chronic-care and prevention programs.
  • Avoid claims that a single tool directly reduces costs without measured evidence.

Use Swiss cost context carefully

Swiss medication spending, deductible structures, reimbursement rules, and digital-health reimbursement context matter when discussing adherence economics. These references should frame the problem without implying guaranteed savings.

  • Separate system-level cost context from Adherlo-specific outcome claims.
  • Make affordability and reimbursement constraints visible.
  • Use evidence sources to explain why adherence matters, not to overstate commercial results.

Support before costs rise

Adherence signals can help identify members who may need education, refill support, routine adjustment, or care-team follow-up before the issue becomes more serious.

  • Use aggregated patterns to find where support programs are needed.
  • Keep individual interventions supportive and transparent.
  • Pair digital reminders with human follow-up where risk is higher.

Keep trust and privacy central

Insurance programs should be transparent about data use and focus on support, not punishment. Without trust, even well-designed adherence programs can fail to engage the people they are meant to help.

  • Explain what data is collected and why.
  • Use consent-based sharing for member-level visibility.
  • Avoid incentives or messaging that make patients feel monitored instead of supported.

The strongest payer adherence programs are built around patient trust first.

Measure population patterns responsibly

Population-level adherence trends can help insurers identify where education, device support, or targeted programs may reduce avoidable risk. They should be measured with clear baselines and reviewed against real outcomes over time.

  • Define the target population and baseline before launch.
  • Track engagement, adherence signals, and follow-up actions separately.
  • Review impact with clinical, privacy, and member-experience stakeholders.

Sources used in this guide

These references provide context for medication safety, adherence workflows, and the healthcare settings discussed here. They are not Adherlo outcome claims.

Switzerland

Helsana Arzneimittelreport 2025

Verified Swiss medication-cost report used for insurance and reimbursement context, including medicine-cost growth, dispensing volume, differentiated self-pay, and substitution potential.

Open source

Switzerland

Swiss compulsory health insurance

Verified Swiss cost-sharing context for adherence and affordability discussions: deductible range, coinsurance, and annual cap.

Open source

Switzerland

BAG MiGeL and digital health application reimbursement

Swiss reimbursement context for means, equipment, care material, and digital health application documentation; used as context, not as Adherlo outcome evidence.

Open source

Global

WHO Medication Without Harm

Global medication-safety context for medication errors and avoidable harm; not an Adherlo measured outcome claim.

Open source

Related resources

Explore adherence partnerships

Adherlo works with partners interested in better adherence, patient support, and data-informed prevention.