Amortize Cure Payments for Gene Therapies

One‑time curative drugs bundle decades of clinical value into a single upfront charge, creating a financing mismatch between payers and patients; spreading payments over time (amortization), bundling diagnostics with treatment, and insurer‑drug payment integration can remove a key barrier to access without destroying innovators’ incentives. This reframes expensive list prices as payment‑structure failures that policy and private contracts — not just price controls — can fix. — If adopted, amortized or bundled payment models could redraw the drug‑pricing debate from headline list prices toward durable financing and contracting solutions that align innovation incentives with public affordability.