{"id":35309,"date":"2026-08-19T03:42:22","date_gmt":"2026-08-19T07:42:22","guid":{"rendered":"https:\/\/www.wellable.co\/blog\/?p=35309"},"modified":"2026-08-19T13:48:57","modified_gmt":"2026-08-19T17:48:57","slug":"glp1-bank-of-america-employer-roi-direct-to-consumer-coverage","status":"publish","type":"post","link":"https:\/\/www.wellable.co\/blog\/glp1-bank-of-america-employer-roi-direct-to-consumer-coverage\/","title":{"rendered":"Bank of America Proud of GLP-1 Spend"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">In this week&#8217;s episode, Nick and Geoff dig into a single story with wide implications for every employer thinking about GLP-1 coverage. Bank of America CEO Brian Moynihan&nbsp;disclosed&nbsp;that the company spends $250 million annually on GLP-1 medications\u2014one-eighth of its total healthcare spend\u2014and called it&nbsp;a good investment. Nick and Geoff unpack what that means for employers of all sizes, why adoption has quietly plateaued at 36%, and why the direct-to-consumer market may be the most sustainable path forward for companies that&nbsp;can&#8217;t&nbsp;absorb full coverage.<\/p>\n\n\n\n<div class=\"video-embed\" style=\"position:relative;padding-bottom:56.25%;height:0;\">\n<iframe src=\"https:\/\/www.youtube.com\/embed\/RtWTDTJ9ngY?si=pU6ZiLXddCyzvoeb\" title=\"Bank of America Proud of GLP-1 Spend\" style=\"position:absolute;width:100%;height:100%;top:0;left:0;\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen=\"\">\n  <\/iframe>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"row justify-content-between\">\n<div class=\"cs-btn-light text-center mb-4 col-12 col-md-6 pr-md-4\">\n  <a class=\"cs-button d-flex align-items-center justify-content-center w-100\" href=\"https:\/\/podcasts.apple.com\/us\/podcast\/bank-of-america-proud-of-glp-1-spend\/id1869414001?i=1000784250150\" target=\"_blank\" style=\"gap: 8px\">\n\n<img decoding=\"async\" src=\"https:\/\/www.wellable.co\/blog\/wp-content\/uploads\/2026\/03\/Apple-Podcasts-logo.png\" alt=\"Apple podcast\" loading=\"lazy\" class=\"h-auto\" style=\"width: 24px\">\n\n<span style=\"font-size: 20px\">Listen on Apple Podcasts<\/span>\n<\/a>\n<\/div>\n\n<div class=\"cs-btn-light text-center mb-4 col-12 col-md-6 pl-md-4\">\n  <a class=\"cs-button d-flex align-items-center justify-content-center gap-3 w-100\" href=\"https:\/\/open.spotify.com\/episode\/6SLUMYfzp9jFNn6qhnIm7R?si=_sh9ikCLSyWiSFPKcaY38Q\" target=\"_blank\" style=\"gap: 8px\">\n\n<img decoding=\"async\" src=\"https:\/\/www.wellable.co\/blog\/wp-content\/uploads\/2026\/03\/Spotify_White_Logo.png\" alt=\"Apple podcast\" loading=\"lazy\" class=\"h-auto pr\" style=\"width: 24px\">\n<span style=\"font-size: 20px\">Listen on Spotify<\/span>\n\n<\/a>\n<\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n<div style=\"border: 1px solid rgb(0 0 0 \/ 0.1); padding: 25px 25px 10px; border-radius: 8px; box-shadow: 0 4px 6px -1px rgb(0 0 0 \/ 0.1), 0 2px 4px -2px rgb(0 0 0 \/ 0.1);\">\n<h3 id=\"h-pressed-for-time-here-s-a-quick-summary\" class=\"wp-block-heading nitoc\">Short on time? Here are the key takeaways:<\/h3>\n<ul>\n<li><a class=\"Hyperlink SCXW8940812 BCX0\" href=\"https:\/\/www.cnbc.com\/2026\/08\/05\/bank-of-america-ceo-glp-1-drugs-cost.html?utm_campaign=Wellable%20Weekly&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz--aDtzZpVkbQ_W3vGWhQN62wuQOZe6ESDn0UVtvPC7g51X0g3mRrUUWpJOelNIFRCyjDB79\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"TextRun Underlined SCXW8940812 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW8940812 BCX0\" data-ccp-charstyle=\"Hyperlink\">Bank of America spends $250 million annually<\/span><\/span><\/a><span class=\"TextRun SCXW8940812 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW8940812 BCX0\">\u00a0on GLP-1s\u2014one-eighth of its\u00a0<\/span><span class=\"NormalTextRun AdvancedProofingIssueV2Themed SCXW8940812 BCX0\">$2 billion<\/span><span class=\"NormalTextRun SCXW8940812 BCX0\"> total healthcare spend\u2014making it the fastest-growing benefits category by a significant margin, up from effectively zero just four or five years ago<\/span><\/span><\/li>\n<li><span class=\"TextRun SCXW114262932 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW114262932 BCX0\">Moynihan called it\u00a0<\/span><span class=\"NormalTextRun SCXW114262932 BCX0\">a good investment<\/span><span class=\"NormalTextRun SCXW114262932 BCX0\"> but acknowledged that access is gated through a health coaching program, a guardrail that reduces early dropout and creates accountability on both sides of the investment<\/span><\/span><\/li>\n<li><a class=\"Hyperlink SCXW103448536 BCX0\" href=\"https:\/\/blog.nisbenefits.com\/true-cost-glp-1-coverage\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"TextRun Underlined SCXW103448536 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun CommentStart CommentHighlightPipeRest CommentHighlightRest SCXW103448536 BCX0\" data-ccp-charstyle=\"Hyperlink\">29% of employees<\/span><\/span><\/a><span class=\"TextRun SCXW103448536 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun CommentHighlightRest SCXW103448536 BCX0\">\u00a0say they would switch employers to access GLP-1 coverage, making it one of the only pharmaceutical benefits with genuine recruitment power alongside salary and remote work flexibility<\/span><\/span><span class=\"EOP Selected SCXW103448536 BCX0\" data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<li><a class=\"Hyperlink SCXW101911946 BCX0\" href=\"https:\/\/www.ifebp.org\/detail-pages\/resource\/survey\/glp-1-drugs--2026-pulse-survey-us\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"TextRun Underlined SCXW101911946 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW101911946 BCX0\" data-ccp-charstyle=\"Hyperlink\">GLP-1 employer adoption has plateaued at 36%<\/span><\/span><\/a><span class=\"TextRun SCXW101911946 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW101911946 BCX0\">, up only two percentage points from 2024, reflecting real hesitation among companies that\u00a0<\/span><span class=\"NormalTextRun SCXW101911946 BCX0\">haven&#8217;t<\/span><span class=\"NormalTextRun SCXW101911946 BCX0\"> yet covered it and quiet anxiety among those that have about cost trajectory and the difficulty of removing the benefit once offered<\/span><\/span><\/li>\n<li><span class=\"TextRun SCXW66949516 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW66949516 BCX0\">The direct-to-consumer (D2C) subsidy model, where employers contribute a fixed monthly amount toward an employee&#8217;s own D2C purchase rather than covering the drug outright, may be the most practical and sustainable path forward for mid-size and smaller organizations, since D2C prices tend to decline as scale grows unlike employer-plan drug prices<\/span><\/span><\/li>\n<\/ul>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" class=\"wp-block-heading\" id=\"episode-summary\"><strong>Episode Summary<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" class=\"wp-block-heading\" id=\"what-bank-of-americas-250-million-tells-the-market\">What Bank of America&#8217;s $250 Million Tells the Market<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The Bank of America disclosure is notable not just for the dollar&nbsp;amount,&nbsp;but for what it signals at scale. Four or five years ago, GLP-1 spend at most major employers was effectively zero. Today it&nbsp;represents&nbsp;one-eighth of one of the largest corporate healthcare budgets in the country. That trajectory is unprecedented for a single drug category and reflects both the speed of clinical adoption and the depth of employee demand.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">CEO Brian&nbsp;Moynihan&#8217;s characterization of it as&nbsp;a good investment&nbsp;is meaningful coming from someone running a company with the resources and data infrastructure to&nbsp;actually measure&nbsp;that claim at scale.&nbsp;However,&nbsp;there is an&nbsp;important&nbsp;caveat&nbsp;embedded in the same interview: Bank of America gates access. Employees are not simply&nbsp;prescribed&nbsp;the medication and reimbursed. There is a requirement\u2014almost certainly&nbsp;a&nbsp;<a href=\"https:\/\/www.wellable.co\/wellness-services\/health-coaching\" target=\"_blank\" rel=\"noreferrer noopener\">health coaching program<\/a>\u2014that employees must&nbsp;participate&nbsp;in to qualify for coverage. That guardrail serves two purposes: it filters for employees who are genuinely committed to behavior change alongside the medication, and it reduces the likelihood of the most common GLP-1 failure mode, stopping the drug before meaningful results are achieved.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">More than 40% of people who start GLP-1 medications stop within a month, well before the 12-week mark where meaningful weight loss typically becomes visible. For employers covering the full cost of the drug, early&nbsp;dropout represents&nbsp;pure&nbsp;spend&nbsp;with no return. A gating requirement tied to coaching creates accountability on both sides and materially improves the odds that the investment pays off. Nick notes that the $250 million figure&nbsp;likely does&nbsp;not include the health coaching spend layered on top, meaning the&nbsp;true cost&nbsp;of Bank of America&#8217;s GLP-1 program is&nbsp;probably higher&nbsp;than the headline number suggests.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" class=\"wp-block-heading\" id=\"employer-adoption-has-plateaued\">Employer Adoption Has Plateaued<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Despite the Bank of America endorsement and the headline-grabbing talent attraction data, GLP-1 employer adoption has quietly stalled. A mid-year survey found that 36% of employers now offer GLP-1 coverage, up only two percentage points from 34% in 2024. The growth that felt explosive in the early years of GLP-1 commercial availability has flattened significantly.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nick&#8217;s read of the market is that the companies currently covering GLP-1s are&nbsp;largely staying&nbsp;put, but they are not enthusiastic about the trend line. The cost is real, the drug is sticky, and the bell is hard to&nbsp;unring, meaning&nbsp;once you offer coverage, removing it triggers immediate employee backlash and recruitment disadvantage. The companies that have not yet extended coverage are watching that dynamic and&nbsp;likely&nbsp;hesitating. The ROI question is genuine: for employers with high turnover,&nbsp;the long-term health improvements that justify the spend may&nbsp;accrue&nbsp;to a different employer than the one paying for the drug.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Geoff frames the ROI challenge around the employee retention piece specifically. A 40-year-old employee who starts GLP-1 treatment today may not realize the cardiovascular and chronic disease benefits that reduce expensive claims until their 60s or 70s. If that employee is unlikely to remain at the same company for 25 to 30 years, the employer bears the cost without capturing the downstream benefit. That is the rational calculation that is keeping adoption flat, and it is a legitimate concern that Bank of America&#8217;s long-tenured workforce profile helps explain why they find the investment more compelling than a company with high annual turnover.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" class=\"wp-block-heading\" id=\"the-direct-to-consumer-model-may-be-the-answer\">The Direct-to-Consumer Model May Be the Answer<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A&nbsp;practically interesting&nbsp;part of the conversation is Nick&#8217;s argument for a direct-to-consumer subsidy model as an alternative to traditional employer coverage. The D2C GLP-1 market is growing rapidly. Novo Nordisk, Eli Lilly, and other manufacturers are building out consumer-facing channels that allow individuals to access the medications without going through employer plans, and prices in D2C markets tend to decline over time as competition and scale increase, which is&nbsp;the opposite of what typically happens with employer-plan-covered drugs.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For employers who want to support employee access without absorbing the full cost and complexity of plan-level coverage, the subsidy model offers a middle path. Instead of covering the drug as a benefit, the employer contributes a fixed monthly amount (e.g.,&nbsp;$100 to $200)&nbsp;that employees can apply toward their own D2C purchase. Employees&nbsp;retain&nbsp;skin in the game, which research suggests&nbsp;improves&nbsp;adherence and&nbsp;reduces&nbsp;the early dropout problem.&nbsp;Employers maintain a predictable, capped cost that does not automatically grow with drug price increases.&nbsp;The overall accessibility of the medication improves without requiring a full benefits&nbsp;redesign.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nick notes an open question around how industry surveys will eventually categorize the D2C subsidy model. Does an employer that offers a monthly GLP-1 subsidy count as an employer that covers GLP-1s? The answer&nbsp;matters for&nbsp;how the 36% adoption figure moves in coming years.&nbsp;Regardless of how it is counted, the D2C subsidy model appears likely to become the dominant approach for mid-size and smaller employers who cannot absorb the Bank of America-style full coverage model.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" class=\"wp-block-heading\" id=\"glp-1s-as-the-underappreciated-story-of-the-decade\">GLP-1s as the Underappreciated Story of the Decade<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Nick closes with a perspective worth sitting with. Every new finding about GLP-1 medications seems to add to the positive column&nbsp;(e.g.&nbsp;reduced cancer metastasis risk,&nbsp;lower rates of alcohol consumption, reduced social media addiction and nicotine use,&nbsp;lower body weight reducing fuel consumption in aviation and transportation).&nbsp;There is a potential&nbsp;argument that a government-funded program to provide universal GLP-1 access would generate returns that dwarf the cost, across healthcare, transportation infrastructure, energy, and public safety.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nick is careful to note he is not advocating for that specific policy outcome, but&nbsp;the breadth of the secondary benefits,&nbsp;emerging&nbsp;from a drug that only 11% of adults currently use, is striking.&nbsp;Geoff&#8217;s point is&nbsp;that&nbsp;AI is already used by the vast majority of adults in some form, yet GLP-1s\u2014reaching only one in ten\u2014are producing societal ripple effects that rival or exceed AI&#8217;s visible near-term impact.&nbsp;Nick&#8217;s argument that GLP-1s would be the story of the decade if AI were not consuming the entire news cycle is easy to make and hard to dismiss.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" class=\"wp-block-heading\" id=\"frequently-asked-questions\">Frequently Asked Questions<\/h2>\n\n\n\n    <section class=\"faq-section\">\n      <div class=\"faq-accordion\">\n\n        \n        <div class=\"faq-item card card-faq\">\n          <button \n            class=\"faq-question\" \n            data-target=\"faq_1\"\n            type=\"button\"\n          >\n            How much does Bank of America spend on GLP-1 medications?            <span class=\"icon\"><\/span>\n          <\/button>\n\n          <div id=\"faq_1\" class=\"faq-answer\">\n            <p><span class=\"NormalTextRun SCXW124771090 BCX0\">Bank of America spends approximately $250 million annually on GLP-1 medications, according to CEO Brian Moynihan&#8217;s disclosure in a CNBC interview. That figure\u00a0<\/span><span class=\"NormalTextRun SCXW124771090 BCX0\">represents<\/span><span class=\"NormalTextRun SCXW124771090 BCX0\">\u00a0one-eighth of the company&#8217;s total\u00a0<\/span><span class=\"NormalTextRun AdvancedProofingIssueV2Themed SCXW124771090 BCX0\">$2 billion<\/span><span class=\"NormalTextRun SCXW124771090 BCX0\">\u00a0annual healthcare spend and reflects growth from effectively zero just four or five years ago, making it the fastest-growing category in their benefits portfolio.<\/span><\/p>\n          <\/div>\n        <\/div>\n\n        \n        <div class=\"faq-item card card-faq\">\n          <button \n            class=\"faq-question\" \n            data-target=\"faq_2\"\n            type=\"button\"\n          >\n            Does Bank of America cover GLP-1s for all employees?            <span class=\"icon\"><\/span>\n          <\/button>\n\n          <div id=\"faq_2\" class=\"faq-answer\">\n            <p><span class=\"NormalTextRun SCXW217693757 BCX0\">No. Bank of America gates access,\u00a0<\/span><span class=\"NormalTextRun SCXW217693757 BCX0\">almost certainly<\/span><span class=\"NormalTextRun SCXW217693757 BCX0\">\u00a0through a required health coaching program.\u00a0<\/span><span class=\"NormalTextRun SCXW217693757 BCX0\">Employees must participate in a qualifying program to be covered for GLP-1 medications.<\/span><span class=\"NormalTextRun SCXW217693757 BCX0\">\u00a0That requirement serves both as a filter for genuine commitment and as a mechanism to reduce early dropout, which affects more than 40% of GLP-1 users within the first month.<\/span><\/p>\n          <\/div>\n        <\/div>\n\n        \n        <div class=\"faq-item card card-faq\">\n          <button \n            class=\"faq-question\" \n            data-target=\"faq_3\"\n            type=\"button\"\n          >\n            Why has employer GLP-1 adoption plateaued at 36%?            <span class=\"icon\"><\/span>\n          <\/button>\n\n          <div id=\"faq_3\" class=\"faq-answer\">\n            <p><span class=\"NormalTextRun SCXW233274000 BCX0\">A mid-year survey found that 36% of employers now offer GLP-1 coverage, up only two percentage points from 34% in 2024. The plateau reflects two competing pressures. Companies already offering coverage are\u00a0<\/span><span class=\"NormalTextRun SCXW233274000 BCX0\">largely staying<\/span><span class=\"NormalTextRun SCXW233274000 BCX0\">\u00a0put but anxious about rising costs and the difficulty of removing the benefit once it has been offered. Companies that have not yet extended coverage are hesitating because the ROI calculation is genuinely uncertain for employers with high turnover, since the long-term health benefits may\u00a0<\/span><span class=\"NormalTextRun SCXW233274000 BCX0\">accrue<\/span><span class=\"NormalTextRun SCXW233274000 BCX0\">\u00a0after an employee has moved to a different company.<\/span><\/p>\n          <\/div>\n        <\/div>\n\n        \n        <div class=\"faq-item card card-faq\">\n          <button \n            class=\"faq-question\" \n            data-target=\"faq_4\"\n            type=\"button\"\n          >\n            What is the direct-to-consumer GLP-1 subsidy model?            <span class=\"icon\"><\/span>\n          <\/button>\n\n          <div id=\"faq_4\" class=\"faq-answer\">\n            <p><span class=\"NormalTextRun SCXW155507683 BCX0\">Rather than covering GLP-1 medications through an employer health plan, some companies are exploring a model where they provide a fixed monthly contribution \u2014\u00a0<\/span><span class=\"NormalTextRun SCXW155507683 BCX0\">perhaps $100<\/span><span class=\"NormalTextRun SCXW155507683 BCX0\">\u00a0to $200 \u2014 that employees can apply toward their own direct-to-consumer purchase of the medication. D2C prices tend to decline over time as competition grows, unlike employer-plan drug prices which typically increase. This approach gives employees skin in the game,\u00a0<\/span><span class=\"NormalTextRun SCXW155507683 BCX0\">maintains<\/span><span class=\"NormalTextRun SCXW155507683 BCX0\">\u00a0a predictable employer cost, and extends access without requiring a full benefits\u00a0<\/span><span class=\"NormalTextRun ContextualSpellingAndGrammarErrorV2Themed SCXW155507683 BCX0\">redesign<\/span><span class=\"NormalTextRun SCXW155507683 BCX0\">.<\/span><\/p>\n          <\/div>\n        <\/div>\n\n        \n        <div class=\"faq-item card card-faq\">\n          <button \n            class=\"faq-question\" \n            data-target=\"faq_5\"\n            type=\"button\"\n          >\n            Is GLP-1 coverage a genuine talent attraction tool?            <span class=\"icon\"><\/span>\n          <\/button>\n\n          <div id=\"faq_5\" class=\"faq-answer\">\n            <p><span class=\"NormalTextRun SCXW252583873 BCX0\">Yes, based on survey data. The 2026 NFP US Benefit Trends Report found that 29% of employees would switch employers to access GLP-1 coverage, placing it alongside salary and remote work flexibility as one of the few benefits with genuine talent switching power. Nick notes it is\u00a0<\/span><span class=\"NormalTextRun SCXW252583873 BCX0\">probably the<\/span><span class=\"NormalTextRun SCXW252583873 BCX0\">\u00a0only pharmaceutical benefit that has ever appeared on that list.<\/span><\/p>\n          <\/div>\n        <\/div>\n\n        \n        <div class=\"faq-item card card-faq\">\n          <button \n            class=\"faq-question\" \n            data-target=\"faq_6\"\n            type=\"button\"\n          >\n            Why does Nick argue GLP-1s are underappreciated relative to AI?            <span class=\"icon\"><\/span>\n          <\/button>\n\n          <div id=\"faq_6\" class=\"faq-answer\">\n            <p><span class=\"TextRun SCXW258577306 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW258577306 BCX0\">Only 11% of US adults currently use GLP-1 medications, yet the secondary effects are already showing up across healthcare, transportation, consumer behavior, and public safety. Every new research finding seems to add to the positive column, from reduced cancer metastasis risk to lower rates of social media addiction and alcohol consumption. Nick&#8217;s argument is that if AI were not consuming the entire news cycle, GLP-1s would be the defining technology story of the decade, and that their near-term societal impact may exceed AI&#8217;s visible effects even at current penetration levels.<\/span><\/span><\/p>\n          <\/div>\n        <\/div>\n\n        \n      <\/div>\n    <\/section>\n\n    \n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" class=\"wp-block-heading\" id=\"full-episode-transcript\"><strong style=\"color: transparent; visibility: hidden; opacity: 0;\">Full Episode Transcript<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n    <section class=\"faq-section toc-helper-accordion\">\n      <div class=\"faq-accordion\">\n\n        \n        <div class=\"custom-accordion-item\">\n          <button \n            class=\"faq-question\" \n            data-target=\"transcript_1\"\n            type=\"button\"\n          >\n            <h2><span class=\"TextRun SCXW145257824 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW145257824 BCX0\" data-ccp-parastyle=\"heading 2\">Full Episode Transcript<\/span><\/span><\/h2>\n            <span class=\"icon\"><\/span>\n          <\/button>\n\n          <div id=\"transcript_1\" class=\"faq-answer\">\n            <p><b><span data-contrast=\"auto\">Nick:<\/span><\/b><span data-contrast=\"auto\">\u00a0Welcome to the\u00a0Wellable\u00a0Weekly Podcast, where we talk about key topics and trends at the intersection of wellbeing, technology, and HR.\u00a0I&#8217;m\u00a0Nick, along with my good friend and co-host Geoff. Geoff,\u00a0how&#8217;s\u00a0it going?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Geoff:<\/span><\/b><span data-contrast=\"auto\">\u00a0It&#8217;s\u00a0going great, Nick. Another wonderful summer day here.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Nick:<\/span><\/b><span data-contrast=\"auto\">\u00a0It&#8217;s\u00a0coming near the end of summer.\u00a0It&#8217;s\u00a0August, so before you know it,\u00a0it&#8217;s\u00a0September, then fall, then New England winters. I\u00a0can&#8217;t\u00a0believe how quickly\u00a0it&#8217;s\u00a0happening.\u00a0So\u00a0this episode,\u00a0we&#8217;re\u00a0covering one article and one topic that we said not long ago we were shocked we\u00a0don&#8217;t\u00a0talk about more\u00a0frequently: GLP-1s.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">We have a short clip from CNBC featuring Bank of America CEO Brian Moynihan. They were discussing financial\u00a0markets\u00a0and there was a segment specifically about GLP-1s and Bank of America employees. What he said was striking: they spend $250 million a year on GLP-1s. For context, Bank of America has hundreds of thousands of employees and spends about\u00a0$2 billion\u00a0a year on healthcare overall. Four or five years ago, that GLP-1 number was near zero.\u00a0So\u00a0it goes from zero to $250 million \u2014 an incredible amount of growth, unquestionably the biggest growth of any healthcare spend category. And it makes up one-eighth of their total healthcare spend today. My guess is that\u00a0number\u00a0is still increasing.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Geoff:<\/span><\/b><span data-contrast=\"auto\">\u00a0The number jumps off the page because of the size and scale of Bank of America, but\u00a0it&#8217;s\u00a0not an outlier. This growth trajectory for GLP-1 spending has accelerated significantly over the past couple of years, going from a niche drug that folks were starting to test to\u00a0basically a\u00a0wonder drug having widespread impact on all parts of society. There are different estimates, but certainly north of\u00a0$100 billion\u00a0in total GLP-1 spend in 2026, and\u00a0it&#8217;s\u00a0probably the\u00a0biggest contributor to some estimates that overall pharma spending will eclipse one trillion dollars this year for the first time. The question Brian Moynihan addresses directly in the clip is whether\u00a0it&#8217;s\u00a0a good investment.\u00a0That&#8217;s\u00a0the question a lot of employers are grappling with \u2014 is it\u00a0a good investment\u00a0for all companies, or\u00a0just for\u00a0certain organizations given their size, scale, and how long they\u00a0retain\u00a0employees?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Nick:<\/span><\/b><span data-contrast=\"auto\">\u00a0He said\u00a0it&#8217;s\u00a0a good investment, but if you peel back the onion a little, he also said we gate access to the drugs. He\u00a0recognizes\u00a0the cost is significant. I\u00a0don&#8217;t\u00a0think he mentioned it in the interview, but I looked it up \u2014 I believe the gating process for Bank of America is health coaching. To get covered for GLP-1 drugs, you\u00a0have to\u00a0go through some type of health coaching program and\u00a0presumably stay\u00a0enrolled.\u00a0So\u00a0it&#8217;s\u00a0not unlimited open-ended coverage. And I wonder if that $250 million includes the health coaching\u00a0spend\u00a0on top of it. My guess is not, which means the true program cost is\u00a0probably higher. But that gating feature signals that even enthusiastic adopters like Bank of America want some accountability built in. At the end of the day, Moynihan was asked whether benefits ever accrue back to the company, and he gave the honest answer: if someone&#8217;s 40 years old and uses GLP-1s from 40 to 70, but the benefit we get accrues in their 70s, odds are that person is no longer our employee. But his response was\u00a0essentially what\u00a0we often hear in the wellness industry:\u00a0it&#8217;s\u00a0the right thing to do. And doing the right thing has tangible market benefits.\u00a0We&#8217;ve\u00a0seen countless surveys of employees saying they would leave their current employer to access GLP-1 coverage.\u00a0That&#8217;s\u00a0how important this drug is to people.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Geoff:<\/span><\/b><span data-contrast=\"auto\">\u00a0The question of whether GLP-1s are effective is not\u00a0really up\u00a0for debate anymore. The real question is who should be footing the bill. There are near-term advantages for employees who start taking GLP-1s \u2014 they may feel better day to day, lose weight relatively quickly, and by keeping that weight off long-term they may be less likely to experience a cardiovascular event that would be a difficult and expensive outcome for both the employee and their employer. The contrarian employer view\u00a0is:\u00a0that&#8217;s\u00a0all well and good, but given our turnover rate,\u00a0there&#8217;s\u00a0a limited chance\u00a0we&#8217;ll\u00a0actually see\u00a0positive ROI if\u00a0we&#8217;re\u00a0measuring healthcare spend against drug coverage cost. You might help someone get onto a good trajectory today, but if they leave the company during the years when\u00a0they&#8217;d\u00a0be most likely to have an event, you\u00a0don&#8217;t\u00a0capture the payoff. At the same time, the immediate recruitment benefit is real. The NFP 2026 US Benefit Trends Report found that 29% of employees would switch employers to access GLP-1 benefits.\u00a0That&#8217;s\u00a0a real talent attraction advantage.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Nick:<\/span><\/b><span data-contrast=\"auto\">\u00a0That&#8217;s\u00a0a third of\u00a0employees. Outside of salary, I\u00a0can&#8217;t\u00a0think of another benefit that would get a third of employees willing to switch companies.\u00a0Maybe remote\u00a0work, but the list is\u00a0very short. And GLP-1 is\u00a0probably the\u00a0only pharmaceutical drug on that list. Bank of America may be unique in terms of viewing it so enthusiastically and not seeming reluctant to spend more. But at the market level, GLP-1 adoption\u00a0has\u00a0kind of plateaued. A mid-year survey this year found that 36% of employers offer GLP-1 coverage \u2014 up only two percentage points from 34% in 2024, and\u00a0essentially flat\u00a0from 2025. There&#8217;s significant hesitation among companies that\u00a0don&#8217;t\u00a0currently cover it, and among those that do,\u00a0there&#8217;s\u00a0a quiet anxiety about how to manage the cost trajectory.\u00a0Once you offer it, it&#8217;s really hard to take it back.\u00a0Employees expect\u00a0it,\u00a0it becomes a baseline, and removing it triggers backlash.\u00a0That&#8217;s\u00a0just how benefits work.\u00a0The direct-to-consumer market may actually be the path forward here.\u00a0Novo Nordisk, Eli Lilly, and others are doing significant D2C business, and D2C drugs tend to drop in price as scale grows \u2014 the opposite of employer-plan drugs. An employer subsidizing an employee&#8217;s direct purchase,\u00a0maybe $100\u00a0to $200 a month toward a D2C purchase rather than covering the drug outright, might be the most sustainable middle path for mid-size employers who\u00a0can&#8217;t\u00a0absorb the Bank of America-scale program.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Geoff:<\/span><\/b><span data-contrast=\"auto\">\u00a0The D2C model with some employer contribution makes sense as a model with legs for the longer term. Add some lifestyle programming alongside it \u2014 health coaching, nutrition support, strength-building guidance since GLP-1s are known to impact muscle maintenance \u2014 and you have a model that combines the drug&#8217;s effectiveness with the behavior change layer that improves adherence. More than 40% of people stop taking GLP-1s within a month, well before the 12-week mark where meaningful weight loss typically becomes visible. Employers who are subsidizing the cost and pairing it with coaching have a much better chance of seeing the investment pay off.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Nick:<\/span><\/b><span data-contrast=\"auto\">\u00a0The other thing worth noting is that\u00a0I&#8217;m\u00a0not sure\u00a0I&#8217;ve\u00a0ever seen a pharmaceutical drug where\u00a0virtually every\u00a0new finding is positive. When new drugs come out, you hear about sleep disruption, irregular this or that, the\u00a0long list\u00a0of potential side effects in the advertisement. Everything new we learn about GLP-1s seems to be\u00a0almost universally\u00a0positive. Last week I read an article saying that people on GLP-1 drugs have a lower risk of cancer metastasizing. You also hear about reduced social media use, less smoking, less\u00a0alcohol consumption. Everything \u2014 these side benefits are\u00a0almost entirely\u00a0positive. I recognize\u00a0it&#8217;s\u00a0relatively new\u00a0to the market, but the\u00a0track record\u00a0so far is remarkable. And as an employer, if you&#8217;re not blocking social media on your network and employees are using it during the workday, there&#8217;s an argument that GLP-1s could reduce that in a way that\u00a0offsets\u00a0or even justifies the spend on their own.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Geoff:<\/span><\/b><span data-contrast=\"auto\">\u00a0It really earns that wonder drug moniker. The United Airlines CEO comment comes to mind \u2014 by having passengers on GLP-1s and at lower average weight, you could save hundreds of millions of dollars on fuel just from that alone. The ripple effects transcend employer-only coverage into broader consumer and societal impact.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Nick:<\/span><\/b><span data-contrast=\"auto\">\u00a0And if you go into the public policy world,\u00a0there&#8217;s\u00a0a not-insignificant group of public health economists advocating that the US government provide GLP-1 access universally, free of charge. Lower healthcare system costs, lower fuel consumption, less road wear from lower vehicle loads, less dependence on foreign oil, reduced\u00a0alcoholism\u00a0and its downstream consequences \u2014 the case is genuinely interesting. And\u00a0that&#8217;s\u00a0from a drug that only 11% of adults are currently using. If AI\u00a0weren&#8217;t\u00a0dominating the news cycle entirely, GLP-1s would be the most transformational story of the decade.\u00a0There&#8217;s a real argument to be made that in the near term, we will see more visible societal impact from GLP-1s than from AI.\u00a0I&#8217;m\u00a0not certain of that, but\u00a0it&#8217;s\u00a0an easy case to\u00a0make\u00a0and it has serious legs.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Geoff:<\/span><\/b><span data-contrast=\"auto\"> And that just goes to show the impact of something that only one in ten people are actively using.\u00a0We&#8217;re\u00a0living through both revolutions simultaneously. What a time. That seems like a good place to wrap up. Thanks as always, Nick, and thanks to all our listeners. You can catch\u00a0Wellable\u00a0Weekly on Apple Podcasts, Spotify, or wherever you get your podcasts, and be sure to subscribe to the\u00a0Wellable\u00a0Weekly newsletter for all the latest insights. Thank you.<\/span><\/p>\n          <\/div>\n        <\/div>\n\n        \n      <\/div>\n    <\/section>\n\n    \n","protected":false},"excerpt":{"rendered":"<p>Wellable Weekly breaks down Bank of America CEO Brian Moynihan&#8217;s disclosure that the company spends $250 million annually on GLP-1s, what it signals about employer ROI, why adoption has plateaued at 36%, and the direct-to-consumer model that may be the path forward for most companies.<\/p>\n","protected":false},"author":1,"featured_media":35310,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[23],"tags":[],"class_list":["post-35309","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-podcasts"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.6 (Yoast SEO v27.7) - 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