Dwayne We had so many medical expenses last year it left our HCSA at $0 coming into 2023. We have a Very High Deductible plan which often costs us about 1/3 of my husband's pay. I'm unable to work.GoodRx has been a boon in helping us pay for the prescriptions which I couldn't refill for 3 months in December.HOWEVER, using GoodRx means that what we pay is not counted towards our insurance deductiblesnwhich puts the first $3k totally on us. Then it's an 80/20 split until we pay out $7k after which they cover 100%.The system is truly rigged when it does not allow us to buy medications at the best price available. I'm still trying to figure out what to do come March when all of my many (& my hubby's) 90 day refills come due.I turn 65 in March & my sister is pushing Medicare as the solution to my healthcare costs. I'm not convinced. It's almost 2 years before I can collect my full SS.  I'm on several expensive medications which (thankfully) I buy under a PAP. That's only while I have private insurance. They aren't available through Medicare. Medicare isn't free & needed supplemental plans also cost. Plus out of pocket costs. Prescription cost limits don't go into effect until 2025. By then, the Rs could have control & repeal these measures (& beyond) while also cutting SS benefits. It might be less expensive staying on hubby's work insurance!Any way you look at it, the average American is being screwed. By Pharma but also in many other ways. Death by a thousand cuts.

Dwayne We had so many medical expenses last year it left our HCSA at $0 coming into 2023. We have a Very High Deductible plan which often costs us about 1/3 of my husband's pay. I'm unable to work.GoodRx has been a boon in helping us pay for the prescriptions which I couldn't refill for 3 months in December.HOWEVER, using GoodRx means that what we pay is not counted towards our insurance deductiblesnwhich puts the first $3k totally on us. Then it's an 80/20 split until we pay out $7k after which they cover 100%.The system is truly rigged when it does not allow us to buy medications at the best price available. I'm still trying to figure out what to do come March when all of my many (& my hubby's) 90 day refills come due.I turn 65 in March & my sister is pushing Medicare as the solution to my healthcare costs. I'm not convinced. It's almost 2 years before I can collect my full SS.  I'm on several expensive medications which (thankfully) I buy under a PAP. That's only while I have private insurance. They aren't available through Medicare. Medicare isn't free & needed supplemental plans also cost. Plus out of pocket costs. Prescription cost limits don't go into effect until 2025. By then, the Rs could have control & repeal these measures (& beyond) while also cutting SS benefits. It might be less expensive staying on hubby's work insurance!Any way you look at it, the average American is being screwed. By Pharma but also in many other ways. Death by a thousand cuts.

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