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The launch of a handful of inventive cell and gene therapies is already testing players in the health care system to figure out how to pay for them. But the real strain could be five years away, when a wave of these pioneering treatments could enter the market and overwhelm the system.

That explains the growing pressure on drug companies, insurers, and others to develop value-based pricing — a mechanism to determine how much value any given therapy will provide over time.

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