When it comes to the high price of prescription drugs in America, there's a lot of blame and confusion to go around.

Here's an example of how drug prices get set, based on a theoretical monthly prescription with a list price of $100 a month for a person with a commercial insurance plan that covers all but a $20 co-pay.

The graphic is based on @BusinessInsider's reporting (April 2019) and data on industry averages. The hypothetical example, of course, doesn't cover every scenario in drug pricing.