TrumpRx, the US government website listing discounted prescription drugs, does not process insurance payments, and purchases made through it generally do not count towards a patient's deductible or out-of-pocket maximum.

The Congressional Research Service says the site, officially launched on 5 February 2026, connects consumers with manufacturer coupons and direct-to-consumer pharmacies.

The platform had more than 800 drugs listed after another 160 were added in early June.

How TrumpRx Operates Outside Insurance

TrumpRx is not itself a pharmacy. Depending on the drug, shoppers are sent to a partner pharmacy or given a coupon for participating outlets. As of 5 May 2026, 17 drug manufacturers had agreements in place.

The site launched with 40 drugs, reached 87 by late April and gained roughly 600 generics after partnerships with GoodRx, Cost Plus Drugs and Amazon Pharmacy were announced in May. KFF now puts the listing above 800 medicines.

Many coupons explicitly ban patients from using their insurance, Bloomberg Law reported. Federal anti-kickback rules also restrict the use of certain drug coupons by people enrolled in federal healthcare programmes. The site itself tells prospective buyers that their co-pay may be lower than the listed price.

Private health plans also increasingly use copay accumulator programmes that can exclude manufacturer assistance, such as coupons, from counting towards deductibles or out-of-pocket maximums.

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Why Insurers Have Not Counted TrumpRx Spending

Bloomberg Law reported that two drug-pricing programmes, Medicaid's drug rebate programme and the 340B drug discount programme, are part of the obstacle. Counting cheaper direct purchases within insurance could raise the discounts drugmakers owe under both. Employers would also need to agree to let such payments count towards deductibles.

On 4 February 2026, the Federal Trade Commission secured a settlement with Express Scripts under which the company agreed to provide covered access to TrumpRx as part of its standard offering and, subject to relevant legal and regulatory changes, allow eligible TrumpRx payments to count towards members' deductibles and out-of-pocket maximums.

In July 2026, the FTC reached a similar settlement with Caremark. The pharmacy benefit manager agreed, subject to certain legislative and regulatory changes, to offer plan sponsors an option that would count eligible TrumpRx payments towards patients' deductibles and out-of-pocket maximums.

A May 2026 report from the White House Council of Economic Advisers said proposed legislation would ensure insurers count such purchases. The Congressional Research Service said on 31 July 2026 that no legislation to codify the agreements had been introduced.

Who Stands To Gain and Who Does Not

The Congressional Research Service says uninsured consumers and those buying outside their coverage are most likely to save, for example on weight-loss or fertility drugs that plans often exclude. The Council of Economic Advisers projected savings of about $3,000 (£2,273) a year per patient using weight-loss drugs by 2028.

The Congressional Research Service noted that consumers may find their insurance co-pay is lower than the price listed on TrumpRx. Mark Cuban wrote on X weeks after launch that TrumpRx was saving patients money on IVF and a few other drugs, and that anything saving patients money was a win. His Cost Plus Drugs later became a TrumpRx partner.

Trump has promoted the drug-pricing deals as the 3 November 2026 midterm elections approach. KFF's analysis did not measure how much consumers have actually saved through TrumpRx, but found that the TrumpRx prices for 17 of 32 branded medicines examined were below the average publicly listed price in comparable countries.

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