Americans shudder at the idea of ​​losing their health insurance, but bypassing the giant insurers is saving some people serious money on prescriptions in an upside-down system.

Consider the story of Ohio pharmacist Nate Hucks. Since 2016, his Pickerington Pharmacy has accepted many types of insurance. But because of his frustration with how middlemen, known as pharmacy managers, are making big profits through opaque pricing methods, he decided to open another neighborhood pharmacy that doesn’t require insurance. He sells generic drugs at cost plus a markup, sometimes saving customers hundreds of dollars.

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