A gloved hand holding an empty orange prescription vial against a pale marble background

How Do I Switch From Compounded Semaglutide or Tirzepatide to Wegovy or Zepbound?

The short answer: you switch by getting a new prescription for Wegovy, Zepbound, or one of the new pills, and your prescriber picks the starting dose. A compounded dose does not convert cleanly to a brand dose, so the number on your old vial is a clue rather than an instruction.

If you have been off for more than a couple of weeks, or nobody can tell you exactly what was in your vial, the safest default is to restart near the bottom of the label schedule and climb. That costs you some weeks. Guessing high can cost you days of vomiting.

Why your compounded supply is drying up

Pharmacies were allowed to copy semaglutide and tirzepatide while the brand products were in shortage. The shortages ended. FDA declared the tirzepatide shortage resolved on October 2, 2024, confirmed that on December 19, 2024, and declared the semaglutide shortage resolved on February 21, 2025. The enforcement grace periods for state-licensed pharmacies and outsourcing facilities then closed in steps through the spring of 2025 (1).

2026 has added pressure from the other direction. FDA’s April 1, 2026 update says plainly that tirzepatide and semaglutide are on neither the 503B bulks list nor the drug shortage list (1). On April 30 the agency proposed excluding semaglutide, tirzepatide, and liraglutide from that bulks list permanently, with a comment period that closed July 30 after an extension (2). And on March 3 it sent warning letters to 30 telehealth companies over marketing that implied their compounded products were the same as approved ones (3). As of early November 2026 there was no final decision on the bulks proposal, so treat that piece as pending.

A narrow lane survives. FDA will not treat a compounded product as essentially a copy when a prescriber determines and documents a change that makes a significant difference for an identified patient (1). It also says a semaglutide plus B12 product can still be judged a copy when both strengths fall within 10 percent of the commercial products (1). If your supplier is shipping less, relabeling, or closing its compounded program, this is the reason. It is a regulatory story and says nothing about you.

I covered the safety checklist and the history in Compounded Semaglutide and Tirzepatide: What to Know Now. This post is the practical follow-up for someone who has to make the move.

Why can’t I just convert my compounded dose?

Because the label on a compounded vial and the label on a pen are written in different languages, and sometimes describe different molecules.

Start with units. Compounded product usually arrives in a multi-dose vial that you draw up with a syringe. A poison control case series in the Journal of the American Pharmacists Association described three patients with adverse events after compounded semaglutide, two of them 10-fold dosing errors, and one who was dosing in milliliters and units instead of milligrams. One needed an antiemetic and intravenous fluids (4). A pen clicks to a fixed dose. A syringe asks you to do arithmetic.

Then the ingredient. FDA states that semaglutide sodium and semaglutide acetate are different active ingredients from the one in the approved drugs, and says it knows of no lawful basis for using those salts in compounding. It has also logged reports of patients getting more product per dose, dosing more often, or titrating faster than the label allows (5). As of May 31, 2026, the agency counted 990 adverse event reports tied to compounded semaglutide and more than 730 tied to compounded tirzepatide, and it says underreporting is likely (5).

So a compounded vial labeled “2.5 mg weekly” and a Zepbound 2.5 mg pen share a number. They do not share a guarantee.

Restart low, or match the dose?

No label tells you how to switch from a compounded product, because none of them contemplate it. What the labels do tell us is how to restart after a gap, and that is the closest evidence we have.

The Wegovy label says that if two or more consecutive weekly doses are missed, reinitiate dose escalation at a lower dosage to reduce the risk of gastrointestinal adverse reactions (6). The Zepbound label addresses only a single late dose (7), but Lilly’s medical information page describes what the SURMOUNT trials did: after one or two missed doses, treatment restarted at the same dose if it had been well tolerated, and after three or more, it restarted at 5 mg regardless of the prior dose (8). The Foundayo label sets its trigger at seven or more consecutive missed daily doses, again with reinitiation at a lower dosage (9).

Read together, gap length is the first variable. A short gap on a known, well-tolerated dose makes matching defensible. A longer gap pushes you down the schedule. The second variable is certainty. If the pharmacy is unknown, the concentration is unclear, or the patient cannot say how many units they drew, leaning low is the safer choice. My view is that the two errors are not symmetrical. Starting too low delays the result by a few weeks. Starting too high can mean days of vomiting and, rarely, a trip for fluids.

For scale, here is what low looks like. Wegovy starts at 0.25 mg and reaches 1 mg at week 9, with each step lasting four weeks. Zepbound starts at 2.5 mg and reaches 5 mg at week 5 (6,7). The Wegovy label also allows delaying escalation by four weeks if a dose is not tolerated (6).

There is no single number I use. If someone has been getting their medication through a reliable compounding pharmacy, that helps, because there is likely to have been no gap in dosing. If the pharmacy is unknown, or there is some question about how they have felt on the compounded drug, I adjust. Where I start depends on how the patient is doing, which pharmacy and which medication they were using, and whether they have been sick to their stomach or have seen no change in their hunger at all. If they were having side effects on the compounded product, such as nausea bad enough to need a lot of ondansetron, or severe diarrhea or constipation, but they want to try a brand-name medication to see whether that improves, I start them on a lower dose than they were taking. If they have been on a particular compounded dose for a long time and are not losing any weight, I might start higher than the label’s starting dose. It really depends.

What I would gather before the video visit

On a video visit I cannot pick up the vial, so the vial has to come to me as photographs. The useful list is short: the pharmacy label showing drug, concentration, and lot; the syringe type; how many units the patient draws; the date and size of the last injection; the highest dose reached; and every side effect along the way. Patients who bring that make the dose decision easy. Patients who bring “it was the blue one” make it a judgment call.

What I ask for is a photo of the current prescription. It has to show the name of the medication, the dose, the date it was prescribed, and the prescribing doctor. It also has to show any additives, because compounded versions sometimes include them, and I want to see exactly what has been in that vial.

What restarting will feel like

Expect the early weeks of a new start, even if you were on a high dose before. The labels build their escalation schedules specifically to reduce GI side effects (6,7), and tolerance you built on a product of uncertain strength is not a reliable credit. Nausea, early fullness, and constipation are the usual complaints. If a step is rough, hold there rather than push, which the Wegovy label explicitly permits (6).

Some patients feel like they are going backward when the dose drops. They are not. The goal is to land on a dose you can verify, then climb to the effect you want. Persistent vomiting, or an inability to keep fluids down, is a reason to call. My side effects post has the incidence numbers.

What will the brand version cost?

Less than many people expect, though prices move. As I write this, NovoCare lists the Wegovy pen at $199 a month for new patients on the first two fills of the 0.25 mg and 0.5 mg doses, then $349 a month for 0.25 through 2.4 mg, and the Wegovy pill from $149 a month, rising to $299 at the 9 mg and 25 mg strengths. Lilly lists Zepbound self-pay starting at $299 a month for the KwikPen or four vials, and the $449 price on higher doses, pen or vial, requires a refill within 45 days, otherwise it goes to $499 at 7.5 mg and $699 from 10 mg up (11). Novo’s offer runs through December 31, 2026 and it says pricing will be updated after that (10). Lilly’s page lists no end date.

Both routes need a prescription. Novo’s prices apply when it is filled through NovoCare Pharmacy or with its savings offer (10). If you have insurance, check coverage and prior authorization first, since a covered fill beats any cash price. My cash pay prices post tracks the full ladder, including Medicare and the other federal programs.

Pills as a way out

Needles and syringes are part of why some people used compounded vials in the first place, and now there are two oral choices. Wegovy tablets start at 1.5 mg daily for 30 days, then 4 mg, then 9 mg, then 25 mg (6). Foundayo starts at 0.8 mg, steps to 2.5 mg after at least 30 days, then 5.5 mg, with room to 9, 14.5, or 17.2 mg (9). The Wegovy label does include a rule for moving from the 2.4 mg injection to the 25 mg tablet. Nothing in either label covers moving from a compounded injection, so the same logic applies: start at the bottom unless there is a good reason not to (6,9). I compared the two pills in Foundayo vs. the Wegovy Pill.

For most people it comes down to two things, preference and coverage. If insurance will help pay for Foundayo or the Wegovy pill, that is probably the most important deciding factor. If the patient is paying cash, that changes the math. And if someone doesn’t like injections, a pill usually makes more sense, as long as it is affordable and it keeps them on the medication.

Gray-market sellers and “research use” vials

When a compounded supplier folds, the next search result is often worse. FDA has warned companies that sold semaglutide, tirzepatide, and related peptides falsely labeled “for research purposes” or “not for human consumption” while supplying dosing instructions to consumers. It also says it is aware of counterfeit Ozempic, and advises buying only from state-licensed pharmacies (5). A price far below the brand cash prices above is the tell. Use FDA’s BeSafeRx tools if you are unsure about a site.

The same caution covers telehealth ads. FDA’s position is that compounded drugs are not FDA-approved (3), so a site promising “the same as Wegovy” is making a claim the agency has already penalized.

If you are the patient

Do not stretch your last vial to bridge the gap, and do not mix products. Photograph the label now, write down your last dose date, and book the switching visit before you run out. Ask your prescriber which brand product fits your coverage and budget, and expect a lower starting dose than you were on.

If you are the clinician

Document the compounded product, the pharmacy, the last dose date, and your reasoning for the starting dose, since no label supports a direct conversion. Counsel on the GI risk of reinitiation (6,7). Remember that state-licensed pharmacies that are not outsourcing facilities are not required to report adverse events to FDA, so your MedWatch report may be the only one (5).

The Bottom Line

Moving from compounded semaglutide or tirzepatide to Wegovy, Zepbound, or an oral option means a new prescription and a starting dose chosen for you, because compounded doses do not convert cleanly to brand doses.

Gap length and certainty drive the choice. A short gap on a verified, well-tolerated dose can be matched. A longer gap or an uncertain vial points toward the label starting dose and a four-week-step climb. Costs for the brand products are lower than they were, and the pills give needle-averse patients a path. Avoid gray-market sellers entirely.

Related Reading

Compounded Semaglutide and Tirzepatide: What to Know Now
Wegovy and Zepbound Cash Pay Prices Without Insurance (2026 Update)
Foundayo vs. the Wegovy Pill: Comparing the Two New Weight Loss Pills
Weight Loss Drug Side Effects and How Common They Are
Wegovy 7.2 mg: Who Should Consider the Higher Dose?
More on Weight Loss & Metabolic Health

Scott Rennie, D.O.
Board Certified in Obesity Medicine and Family Medicine

This blog is for educational purposes only and does not constitute individual medical advice. Always consult your own physician before making changes to your health, medications, or treatment plan.

Sources

  1. U.S. Food and Drug Administration. FDA clarifies policies for compounders as national GLP-1 supply begins to stabilize (current as of April 1, 2026). https://www.fda.gov/drugs/drug-alerts-and-statements/fda-clarifies-policies-compounders-national-glp-1-supply-begins-stabilize
  2. U.S. Food and Drug Administration. FDA proposes to exclude semaglutide, tirzepatide, and liraglutide on 503B bulks list. April 30, 2026. https://www.fda.gov/news-events/press-announcements/fda-proposes-exclude-semaglutide-tirzepatide-and-liraglutide-503b-bulks-list
  3. U.S. Food and Drug Administration. FDA warns 30 telehealth companies against illegal marketing of compounded GLP-1s. March 3, 2026. https://www.fda.gov/news-events/press-announcements/fda-warns-30-telehealth-companies-against-illegal-marketing-compounded-glp-1s
  4. Lambson JE, Flegal SC, Johnson AR. Administration errors of compounded semaglutide reported to a poison control center: case series. J Am Pharm Assoc (2003). 2023;63(5):1643-1645. PMID 37392810. https://pubmed.ncbi.nlm.nih.gov/37392810/
  5. U.S. Food and Drug Administration. FDA’s concerns with unapproved GLP-1 drugs used for weight loss (current as of October 1, 2026). https://www.fda.gov/drugs/drug-alerts-and-statements/fdas-concerns-unapproved-glp-1-drugs-used-weight-loss
  6. Wegovy (semaglutide) injection and tablets, prescribing information (revised June 2026). DailyMed. https://dailymed.nlm.nih.gov/dailymed/drugInfo.cfm?setid=ee06186f-2aa3-4990-a760-757579d8f77b
  7. Zepbound (tirzepatide) injection, prescribing information. DailyMed. https://dailymed.nlm.nih.gov/dailymed/drugInfo.cfm?setid=487cd7e7-434c-4925-99fa-aa80b1cc776b
  8. Eli Lilly Medical Information. What should a patient do if they miss a dose of Zepbound (tirzepatide)? https://medical.lilly.com/us/products/answers/what-should-a-patient-do-if-they-miss-a-dose-of-zepbound-tirzepatide-209169
  9. Foundayo (orforglipron) tablets, prescribing information. DailyMed. https://dailymed.nlm.nih.gov/dailymed/drugInfo.cfm?setid=8ac446c5-feba-474f-a103-23facb9b5c62
  10. Novo Nordisk. NovoCare: Wegovy savings and self-pay options. https://www.novocare.com/wegovy/savings-card.html
  11. Eli Lilly and Company. Zepbound savings and insurance options. https://zepbound.lilly.com/savings
A leather wallet, house keys, reading glasses and a mug of coffee on a sunlit kitchen counter

Wegovy and Zepbound Cash Pay Prices Without Insurance (2026 Update)

Updated September 2026: Self-pay prices for Wegovy and Zepbound have both come down since this post first ran, a new oral option (Foundayo) now has its own cash price through Lilly, and a federal deal put a government storefront, TrumpRx.gov, and a temporary Medicare benefit into the middle of the picture.

Patients and colleagues ask me often about the cost of GLP-1 medications when insurance does not cover them. Wegovy, Zepbound, and now Foundayo are all FDA approved for chronic weight management, and I prescribe all three by video visit. The barrier that brings people to this post hasn’t changed: their plan excludes the drug category outright, no prior authorization appeal is going to fix that, and the retail cash price at a corner pharmacy is still well over a thousand dollars a month (10).

What Actually Changed

A year ago the only option was NovoCare’s flat $499 rate for Wegovy and Lilly’s roughly $500 rate for Zepbound. In 2025 I had a patient who had already tried to fill Wegovy at a local pharmacy. The pharmacist quoted her a cash price over $1,300. She couldn’t afford that. Under NovoCare’s program as it existed then, she could have her prescription sent to NovoCare Pharmacy for $499 a month instead. That flat rate is gone now. Both companies have rebuilt their self-pay pricing since then, and a November 2025 deal between the White House and both manufacturers pushed cash prices down further and set the stage for a new Medicare benefit (8). What you get in September 2026 is a tiered price ladder instead of one flat number, and most doses cost less than they did a year ago.

Wegovy: Injection and Pill, Two Different Price Ladders

NovoCare Pharmacy remains Novo Nordisk’s direct-to-consumer channel for patients paying cash. If your plan covers Wegovy, a separate commercial savings card is the better deal and can bring a copay down near zero; that’s a different program from what’s below. As of this September, the injectable pen runs $349 a month for the standard dose range and $399 a month for the newer HD 7.2 mg strength, with a $199 introductory rate for a patient’s first two monthly fills that Novo has said will hold through the end of 2026 (1). The oral tablet, approved in December 2025 and launched in January 2026 as the first pill-form GLP-1 for obesity, is priced in three tiers: $149 for the starter dose, $199 for the next step up, and $299 once a patient reaches a maintenance strength (1). Both require the prescription to be filled through NovoCare specifically. A local pharmacy handed the same script will still quote the full list price, somewhere north of $1,300 (10).

Zepbound: LillyDirect’s Vial and Pen Pricing

Lilly runs a comparable program under LillyDirect, and the vial and the single-patient-use KwikPen are priced identically by dose: $299 for the 2.5 mg starting dose, $399 at 5 mg, and $449 across the 7.5 to 15 mg range (4). That top tier has a catch: the $449 rate only holds if the patient refills within 45 days of the last delivery. Miss the window and the price reverts to $499 for 7.5 mg or $699 for the higher strengths (4, 5). It is an easy detail to overlook when a patient is titrating slowly or pauses therapy for a few weeks.

Foundayo: The Oral Option From Lilly

Foundayo (orforglipron) is Lilly’s oral small-molecule GLP-1, approved this spring and priced through the same LillyDirect infrastructure: $149 at the 0.8 mg starting dose, $199 at 2.5 mg, and $299 across the maintenance range from 5.5 mg up through 17.2 mg (6). Lilly’s own pricing page wasn’t accessible when this update was written, so these numbers come from a pharmaceutical trade publication that reported them the week Foundayo launched. Check the live page before quoting a patient a number.

Medicare, Medicaid, and the Federal Programs

Government coverage intersects this topic in two separate ways, and they are easy to conflate.

The first is eligibility for the manufacturer self-pay programs themselves, and the two companies handle it differently. NovoCare’s own program terms allow a patient enrolled in Medicare, Medicaid, TRICARE, or another government plan to use the Wegovy or Wegovy-pill self-pay price, as long as they pay the full cash price, do not bill their government coverage for it, and do not count it toward a deductible or Part D out-of-pocket total (2). LillyDirect’s Zepbound Self Pay Journey Program works the other way: its terms require that a patient not be enrolled in any state or federal government healthcare program at all, including Medicare, Medicaid, TRICARE, and VA, to use the self-pay price (4). I could not find published eligibility terms for Foundayo’s self-pay program, so I’m not assuming it follows Zepbound’s rule.

The second is an actual Medicare drug benefit, the Medicare GLP-1 Bridge, a temporary demonstration built from the same November 2025 deal. It started July 1, 2026 and runs through December 31, 2027. It covers Foundayo, all formulations of Wegovy, and the Zepbound KwikPen, though not the Zepbound vial, for a $50 monthly copay under Medicare Part D. A beneficiary has to meet BMI and health-condition criteria, such as type 2 diabetes or cardiovascular disease, and the prescriber has to get it prior-authorized (11). This runs through a regular pharmacy claim, not a manufacturer cash-pay program, and has been active a little over two months.

TrumpRx.gov, the federal storefront that launched in February, lists the Wegovy pill at $149 a month and the Wegovy pen at $199, alongside Ozempic at $199 (7). The pen price matches NovoCare’s own first-two-fills introductory rate rather than the ongoing $349 rate, and the site appears to route orders through the same manufacturer pharmacies rather than operating as an independent seller.

Current Self-Pay Prices at a Glance

ProductDose / TierSelf-Pay PriceNotes
Wegovy pen (NovoCare)0.25 to 2.4 mg$349/mo$199/mo for first two fills through Dec 31, 2026
Wegovy pen HD (NovoCare)7.2 mg$399/mo
Wegovy pill (NovoCare)Starter dose$149/mo
Wegovy pill (NovoCare)Step-up dose$199/mo
Wegovy pill (NovoCare)Maintenance dose$299/mo
Zepbound vial or KwikPen (LillyDirect)2.5 mg$299/mo
Zepbound vial or KwikPen (LillyDirect)5 mg$399/mo
Zepbound vial or KwikPen (LillyDirect)7.5 to 15 mg$449/moRequires refill within 45 days, otherwise $499 to $699/mo
Foundayo (LillyDirect)0.8 mg starter$149/moNot independently confirmed on Lilly’s site; see notes
Foundayo (LillyDirect)2.5 mg$199/moSame caveat
Foundayo (LillyDirect)5.5 to 17.2 mg maintenance$299/moSame caveat
Medicare GLP-1 Bridge (Part D)Foundayo, Wegovy, Zepbound KwikPen only$50/mo copayStarted July 1, 2026; requires prior authorization and BMI/condition criteria
TrumpRx.govWegovy pill$149/moMirrors NovoCare price
TrumpRx.govWegovy pen$199/moIntroductory rate only
Retail list price, no programWegovy~$1,349 to $1,650/moGoodRx average
Retail list price, no programZepbound~$1,060 to $1,271/moGoodRx average

The Compounding Chapter Is Closed

Patients still ask about compounded semaglutide and tirzepatide. The versions that filled the gap during the 2023 to 2024 shortage are no longer a legitimate mass option. FDA declared the tirzepatide shortage resolved in December 2024 and the semaglutide shortage resolved in February 2025, and the grace periods for 503A and 503B compounders to wind down ended by mid-2025 (9). This April, FDA moved to formally strike both drugs from the bulk compounding list, closing the loophole some pharmacies had used to keep producing modified formulations. A narrow carve-out remains for pharmacies filling four or fewer prescriptions of a drug per month, but that isn’t the shortage-era product (9). If a telehealth company is still advertising a cheap compounded semaglutide or tirzepatide product, ask hard questions before filling it.

For Patients

Eligibility for the self-pay price is not the same across both companies, and it is worth reading the actual terms rather than assuming. NovoCare allows patients with Medicare, Medicaid, TRICARE, or VA coverage to use the Wegovy self-pay price if they pay cash and don’t bill their government plan for it. LillyDirect’s Zepbound self-pay program excludes anyone enrolled in a government health plan regardless of how they intend to pay. If you have Medicare Part D and meet the clinical criteria, ask your prescriber about the GLP-1 Bridge instead; it covers Foundayo, Wegovy, and the Zepbound KwikPen for a $50 copay. Whichever route applies to you, the prescription has to be routed to the correct pharmacy to get that price. Handing the same script to your neighborhood pharmacist and expecting the discounted rate will not work.

For Clinicians

Both LillyDirect and NovoCare are really good in my experience. The paperwork is less than most insurance companies require, and both platforms are quick to get medications out to patients. I like them equally. Two details are worth flagging with patients: the refill-window trap on Zepbound’s top-tier pricing, and the fact that TrumpRx’s price for the Wegovy pen is a promotional rate rather than the standing one. Setting expectations for month three matters as much as month one. Eligibility terms differ by manufacturer too, so confirm which program a given patient’s coverage actually qualifies for before writing the prescription.

The Bottom Line

Wegovy and Zepbound both cost less than they did a year ago, and two oral options now sit at the bottom of the price range. A $199 to $349 monthly price for Wegovy, or $299 to $449 for Zepbound, is a different number than $1,300 a month, even though it is still a real expense for most households. Whether a government-insured patient can use self-pay pricing depends on the manufacturer: NovoCare permits it, LillyDirect does not, and qualifying Medicare Part D enrollees have a separate $50 option through the GLP-1 Bridge. None of it works if the prescription goes to the wrong pharmacy. Confirm the current terms before committing to a plan; this class of drug has changed its pricing and its rules more than once a year for three years running.

Related Reading

Compounded Semaglutide and Tirzepatide: What to Know Now Foundayo vs. the Wegovy Pill: Comparing the Two New Weight Loss Pills Wegovy 7.2 mg: Who Should Consider the Higher Dose? Weight Loss Medications for Kids and Adults Explained Doctor Supervised Weight Loss: What Works Long Term

Scott Rennie, D.O.
Board Certified in Obesity Medicine and Family Medicine

This blog is for educational purposes only and does not constitute individual medical advice. Always consult your own physician before making changes to your health, medications, or treatment plan.

Sources

  1. Novo Nordisk, NovoCare Pharmacy self-pay pricing for Wegovy, novocare.com/patient/medicines/wegovy.html, accessed September 11, 2026.
  2. Novo Nordisk, NovoCare Pharmacy Terms and Conditions of Use (self-pay eligibility for government-insured patients), novocare.com/eligibility/pharmacy.html, accessed September 11, 2026.
  3. Novo Nordisk, “Novo Nordisk introduces NovoCare Pharmacy, lowering cost of all doses of FDA-approved Wegovy (semaglutide) to $499 per month,” prnewswire.com, August 5, 2025 (program launch, price since superseded, cited for history only).
  4. Eli Lilly, Zepbound coverage, savings, and self-pay eligibility, zepbound.lilly.com/hcp/coverage-savings, accessed September 11, 2026.
  5. Eli Lilly, “Lilly lowers the price of Zepbound (tirzepatide) single-dose vials,” investor.lilly.com, accessed via search September 11, 2026 (direct page fetch timed out; figures cross-checked against source 4).
  6. PharmExec, “FDA Approves Foundayo Under National Priority Voucher Program,” pharmexec.com/view/fda-approves-foundayo-under-national-priority-voucher-program, April 1, 2026.
  7. TrumpRx.gov, GLP-1 medication pricing listing, trumprx.gov, accessed September 11, 2026.
  8. NBC News, “Trump administration weight loss drugs deal,” nbcnews.com/health/health-news/trump-weight-loss-drugs-wegovy-zepbound-lower-price-deal-rcna241929, November 4, 2025.
  9. U.S. Food and Drug Administration, “FDA clarifies policies for compounders as national GLP-1 supply begins to stabilize,” fda.gov, updated April 1, 2026.
  10. GoodRx, Wegovy and Zepbound price pages, goodrx.com/wegovy and goodrx.com/zepbound, accessed September 11, 2026.
  11. KFF, “What to Know About the BALANCE Model for GLP-1s in Medicare and Medicaid and the Medicare GLP-1 Bridge,” kff.org, updated May 11, 2026.