\n\t\t\t\t@danweissmann\t\t\t<\/a><\/p>\n\t\t\tHost and producer of “An Arm and a Leg.” Previously, Dan was a staff reporter for Marketplace and Chicago’s WBEZ. His work also appears on All Things Considered, Marketplace, the BBC, 99 Percent Invisible, and Reveal, from the Center for Investigative Reporting.\t\t<\/p>\n
\n\t\tCredits\t<\/h3>\n
\tEmily Pisacreta
\n\tProducer<\/p>\n
\tClaire Davenport
\n\tProducer<\/p>\n
\tAdam Raymonda
\n\tAudio wizard<\/p>\n
\tEllen Weiss
\n\tEditor<\/p>\n
\t\t\t\t\tClick to open the Transcript\t\t\t\t<\/p>\n
\t\t\t\t\t\tTranscript<\/strong>: How to pick health insurance \u2014 in the worst year ever<\/strong>\t\t\t\t<\/p>\nNote: \u201cAn Arm and a Leg\u201d uses speech-recognition software to generate transcripts, which may contain errors. Please use the transcript as a tool but check the corresponding audio before quoting the podcast.<\/em><\/p>\nDan hosting:<\/strong> Hey there. As we started writing up this episode, the U.S. government was starting to re-open, after the longest shutdown ever. ?Eight Democratic Senators had made a deal.<\/p>\nNews anchor: But this deal has Democrats divided. It does not include an extension for Obamacare subsidies, which is what the party was holding out for.<\/strong><\/p>\nDan hosting:<\/strong> And people were pissed. Here\u2019s a couple examples from our social-media feeds\u2026\u00a0<\/p>\nTikTok user hunteralexanderpowell: eight Democrats caved and betrayed the American people tonight<\/strong><\/p>\nTikTok user shaneechchi: The Democrats caved. The Democrats caved! What? I have tried to calm down so many times to record this video, but Senate Democrats\u2026<\/strong><\/p>\nDan hosting:<\/strong> Those Democrats did extract one sliver of a concession: A promise from Republican Senate Majority Leader John Thune to schedule a vote on extending the subsidies for early December. Which lots of people found\u2026 unsatisfying. One more from our feed here. There\u2019s some strong language in this one:\u00a0<\/p>\nTikTok user 2rawtooreel: After 40 days of fighting for our subsidies, we got a pinky promise. What a gut punch. The eight Dems caved and then they fucked our families. And that\u2019s the way they all became the bitch-ass bunch. The bitch-ass bunch.<\/strong><\/p>\nDan hosting:<\/strong> Yeah. News reports pretty much all say: That vote will fail.<\/p>\nBut even if they\u2019re wrong, even if some unexpected deal gets made, expect nightmares. Logistical nightmares. Tech nightmares. Julie Appleby is a reporter with our pals at KFF Health News.<\/p>\n
She talked to folks who run the Obamacare exchanges in a bunch of states and asked them: Hey, if Congress makes a deal, what happens next?<\/p>\n
They were like: Well, we\u2019d have to take our websites down to plug in the new numbers.\u00a0<\/p>\n
Julie Appleby: And that could take maybe up to a week.<\/strong><\/p>\nDan:<\/strong> Yeah, a week. Julie says that took her by surprise.<\/p>\nJulie Appleby: I guess I mistakenly assumed, naively assumed that, oh, it\u2019d be pretty easy. Let\u2019s just, you know, program these numbers in. It might take a couple hours or whatever, but no, it\u2019s not just a simple let\u2019s throw a switch and change all this stuff\u2026<\/strong><\/p>\nDan hosting:<\/strong> And there\u2019s a ticking clock: If you want an Obamacare plan that starts covering you on January first, you have to sign up by\u2026 December 15. And again, IF there\u2019s a vote to do any of this, it\u2019s not supposed to happen until December. Tick-tock\u2026\u00a0<\/p>\nSo look: Nobody can predict the future, but if you\u2019re looking at Obamacare for 2026: Don\u2019t count on those extra subsidies being there.<\/p>\n
Meanwhile, premiums are going up \u2014 both for Obamacare plans and for employer-based insurance.<\/p>\n
We\u2019re gonna spend the rest of this episode looking at: OK, now what? It\u2019s the worst ever year to choose insurance. What do you do? We\u2019ll hear from a listener who wrote to us asking for advice, and we\u2019ll look at what next year looks like for ourselves \u2014 for me and my colleague Emily Pisacreta.\u00a0<\/p>\n
There are folks who have it worse than we do. Millions of people just won\u2019t be able to afford insurance at all for next year. But our stories give a sketch, a little sample \u2014 and some lessons and tools that I hope will come in handy for anyone asking the same questions we are.<\/p>\n
Like a lot of our stories \u2014 like our whole beat\u2013 there\u2019s no happy ending here. This absolutely sucks.<\/p>\n
We\u2019re talking about choosing the LEAST crappy option here. Which, even when all the options are crap, is STILL WORTH DOING. Because some options are so much crappier than others. But sorting out which ones means learning to read some fine print. So let\u2019s get to it.<\/p>\n
This is An Arm and a Leg, a show about why health care costs so freaking much, and what we can maybe do about it. I\u2019m Dan Weissmann. I\u2019m a reporter, and I like a challenge. So the job we\u2019ve chosen here is to take one of the most enraging, terrifying, depressing parts of American life, and bring you a show that\u2019s entertaining, empowering, and useful.<\/p>\n
Let\u2019s pick up where we left off a couple of months ago: With this show\u2019s senior producer, Emily Pisacreta.\u00a0<\/p>\n
Dan hosting:<\/strong> Hey Emily.<\/p>\nEmily hosting: <\/strong>Hey Dan.<\/p>\nDan hosting:<\/strong> So, let\u2019s recap\u2026\u00a0<\/p>\nEmily hosting:<\/strong> Yeah, so before\u2026 I had insurance from another part-time job. But that job ended over the summer.<\/p>\nDan hosting:<\/strong> And An Arm and a Leg has always been so tiny, I never thought about budgeting for anybody else\u2019s health insurance.<\/p>\nEmily hosting:<\/strong> So I had to look for Obamacare. And I ended up getting help from the absolute best person: Elisabeth Benjamin. She\u2019s Vice President of Health Initiatives at the Community Service Society of New York.\u00a0<\/p>\nDan hosting:<\/strong> She has been one of our go-to sources for years\u2013\u00a0 because her fights to protect New Yorkers from medical debt are epic.<\/p>\nEmily hosting :<\/strong> And as it happens, she\u2019s also a navigator for Obamacare \u2014 she helps people choose and sign up. She invited me over to look at my options.<\/p>\nElisabeth Benjamin: Ok, so ready?\u2026<\/strong><\/p>\nEmily hosting:<\/strong> The good news: I qualified for a subsidy.<\/p>\nThe bad news: That was gonna come to a screeching halt come January. She suggested we meet again in November to look at my 2026 options.<\/p>\n
So, last week, we did\u2013 just a couple days after those Senate Democrats had folded on the enhanced subsidies.\u00a0<\/p>\n
Elisabeth Benjamin: It\u2019s quite clear that the enhanced premium tax credits are gonna sunset. Right?<\/strong><\/p>\nEmily: Yeah.<\/strong><\/p>\nElisabeth Benjamin: Yeah. Which is really horrible for patients.<\/strong><\/p>\nEmily: Are you surprised or did you sort of see the writing on the wall?<\/strong><\/p>\nElisabeth Benjamin: I find understanding Congress and the federal government and what they\u2019re gonna do really challenging. I would\u2019ve thought people would\u2019ve wanted to do something, but it\u2019s, it\u2019s hard when people aren\u2019t getting SNAP benefits and planes aren\u2019t flying. And for me I would\u2019ve thought that they would\u2019ve been able to come up with a compromise, but they didn\u2019t. So\u2026<\/strong><\/p>\nEmily: Yeah.\u00a0<\/strong><\/p>\nElisabeth Benjamin: So, you know, I don\u2019t know. All right. Lemme show you your thing.\u00a0<\/strong><\/p>\nEmily: You wanna share your screen?\u00a0<\/strong><\/p>\nElisabeth Benjamin: Okay. Um, so here\u2019s your account. Here\u2019s your eligibility. You know, this is what you have right now. Your tax credit is $385 a month. Your income, if it\u2019s unchanged, means you will be eligible for no tax credit next year.<\/strong><\/p>\nEmily hosting:<\/strong> So we kinda knew this was coming. I make a little more than 400 percent of the federal poverty level, which means I don\u2019t qualify for that enhanced premium tax credit anymore.\u00a0<\/p>\nElisabeth Benjamin: You are being impacted by the expiration, like you are going from. Spending whatever it was, 400, $400 a month to $800 a month.<\/strong><\/p>\nEmily hosting:<\/strong> Actually it\u2019s going from $496 to $867. And all this for what\u2019s called a Silver Plan. You know, not platinum, not gold.\u00a0<\/p>\nElisabeth Benjamin: You\u2019re not talking about Cadillac coverage here. You have a big deductible.<\/strong><\/p>\nEmily hosting:<\/strong> Yeah\u2026 that\u2019s $2500 before I can afford to see a doctor in person. A doctor who\u2019s in-network. In an itty bitty network. I kinda wondered what I would get if I leveled up.\u00a0<\/p>\nElisabeth Benjamin: So you wanna do the cheapest gold or like a mid price<\/strong><\/p>\nEmily: Yeah. Let\u2019s just see what the cheapest golds look like.<\/strong><\/p>\nElisabeth Benjamin: So the cheapest is 1100. $1,100. So that\u2019s a lot.\u00a0<\/strong><\/p>\nEmily hosting:<\/strong> Yeah so that was out of the question. And we looked at a slightly cheaper silver plan, too. But the deductible was a lot higher and the ER coverage was pitiful.<\/p>\nElisabeth Benjamin: Just walking into an emergency room in New York City is like $10,000. So you\u2019d be basically paying your whole emergency room visit. Whereas right now you have real protection, you only have $500\u2026<\/strong><\/p>\nEmily hosting:<\/strong> And anyway for all its holes, my current plan \u2014 like of these New York state marketplace plans \u2014 does actually have a big advantage over every other health insurance plan I\u2019ve ever had. Zero dollar copays for my absolute do or die stuff \u2014 my insulin and my continuous glucose monitor.<\/p>\nDan hosting:<\/strong> Yeah. That\u2019s just one way where you live really matters.<\/p>\nEmily hosting:<\/strong> Yeah and I\u2019m never leaving, I\u2019m like the worst kind of New York chauvinist. But the cost of living here means this premium increase is gonna really hurt. I\u2019m gonna need another job.<\/p>\nDan hosting:<\/strong> Yeah, but I wanna keep you in this one. And we are working on a plan there. We\u2019ll come back to it later.\u00a0<\/p>\nEmily hosting:<\/strong> Mmhm.<\/p>\nDan hosting: <\/strong>Meanwhile, you\u2019ve given us a snapshot of Obamacare.<\/p>\nObamacare plans aren\u2019t the only place where costs are going up. According to a survey of 1,700 businesses, the rate hikes on employer plans are the biggest in 15 years.<\/p>\n
And you know who\u2019s on an employer plan? My family. My wife and I both have small little businesses, and we\u2019ve been able to buy small-group coverage for ourselves that way \u2014 which means we do get to choose from plans that aren\u2019t on the Obamacare exchange.\u00a0<\/p>\n
So, here\u2019s a little heartwarming scene from my house \u2014 me showing my wife Devorah what our health insurance is going to cost for next year.<\/p>\n
Devo: All right.<\/strong><\/p>\nDan: Make sure we\u2019re recording. Let\u2019s see. Yep. Here we go. Alright, so let me just show you what I have been looking at.\u00a0<\/strong><\/p>\nDevo: Alright.<\/strong><\/p>\nDan:\u00a0 And be aware that it super sucks.\u00a0<\/strong><\/p>\nDevo: Alright.<\/strong><\/p>\nDan hosting:<\/strong> And here\u2019s what I showed her: Our insurance plan is going up by 500 dollars a month in January. Six thousand dollars a year.\u00a0<\/p>\nDevo: I\u2019m not allowed to say bad words, right?\u00a0<\/strong><\/p>\nDan: You\u2019re totally allowed to say, are you kidding me? Bad words are very appropriate.\u00a0<\/strong><\/p>\nDevo: Bad words are forming in the thought bubble over my head.\u00a0<\/strong><\/p>\nDan: You can say them all you want\u00a0<\/strong><\/p>\nDevo: Okay. Fuck.\u00a0<\/strong><\/p>\nDan hosting:<\/strong> Absolutely fair. The new total for our plan is terrifying.. And \u2014 for reasons I\u2019ll get to \u2014 that plan still looks like our best option.<\/p>\nMeanwhile, we\u2019d heard from a listener \u2014 Jess lives in Indiana. She asked us to just use her first name, to protect her family\u2019s privacy.<\/p>\n
And she wrote to ask: Have you ever done a show about whether having health insurance is even worth it? A perfectly understandable question. We talked in early November.<\/p>\n
Jess: Does it ever make sense to just, if you feel relatively healthy, like if I take what I\u2019m paying for a premium and put into the bank account is, does that make more sense than just giving over this huge percentage of money? It feels like there\u2019s not an answer.<\/strong><\/p>\nDan hosting:<\/strong> In her case, it looked like insurance for her and her husband would go up a couple hundred bucks a month, for the same crummy, bare-bones plan they already have. That could still leave them on the hook for like 17 thousand dollars in medical bills.<\/p>\nJess: Obviously I feel really lucky that like we don\u2019t work through the federal government or any number of folks who are dealing with much more this year than we are. But then at the end of the day, it\u2019s really hard to press the button, and sign up for something that you\u2019re like, well, I know I\u2019m not gonna get great care because the one plan I chose like really limits the amount of doctors I can go to.<\/strong><\/p>\nDan hosting:<\/strong> And she says that limited list of doctors, it\u2019s got a lot of turnover.<\/p>\nJess: So like, we\u2019ve been through how many doctors in the past five years? Then I know that if anything bad does actually happen, I still gotta come up with like $17,000 to like pay those bills, on top of everything else. So sometimes I\u2019m just wondering like where, like with a system that doesn\u2019t make any sense, where\u2019s the line where for\u2026 I just feel like a lot of people are gonna be thinking about this, this year. Like, what? I\u2019m gonna keep the money, I\u2019m gonna put it in the bank and with people losing their jobs and stuff too, like maybe it\u2019s time to just bulk up your savings. I don\u2019t know.<\/strong><\/p>\nDan hosting:<\/strong> Jess and her husband run a small business. It hasn\u2019t been a great year, and next year could be kind of dicey. On the other hand, her dad survived a major bout with cancer earlier this year. That experience had already been noodging her toward pressing the button: paying the extra for insurance. And then a little after she wrote to me.\u00a0\u00a0<\/p>\nJess: I was like visiting dad, this fall, So it had been long enough that he actually got the like ex\u2013 like I think it\u2019s probably the explanation of benefits or whatever\u2026<\/strong><\/p>\nDan hosting:<\/strong> Yep, explanation of benefits: That\u2019s the insurance paperwork that shows the total chargesfor all that cancer treatment, and what the insurance company paid.<\/p>\nJess: And he\u2019s like, do you wanna know how much that cost? it was a million dollars. And I was like, okay, I guess I\u2019m getting health insurance again this year.\u00a0<\/strong><\/p>\nDan: Oh my God. Wow.<\/strong><\/p>\nDan hosting: <\/strong>She and her husband *can* find the extra couple hundred dollars a month. And they will. But it still feels unresolved.\u00a0<\/p>\nJess: I really love, like really trying to understand a problem I\u2019m trying to solve and making sure I\u2019ve like, I feel like that\u2019s the, that\u2019s the hard thing with this is that like every year I\u2019m like, have I thought of everything?<\/strong><\/p>\nHave I considered all the parameters? Have I I done the right research?<\/strong><\/p>\nAnd just kind of feeling like on your own with it, even though, you know, everyone\u2019s going through the same thing.<\/strong><\/p>\nDan: For sure. For sure.<\/strong><\/p>\nJess: It sucks.<\/strong><\/p>\nDan hosting:<\/strong> Here\u2019s what\u2019s coming next:\u00a0<\/p>\nWe\u2019re gonna come back to Emily\u2019s story\u2013 and mine. There\u2019s a POSSIBLE less-sucky option for Emily \u2014 it\u2019s gonna take some doing \u2014 and in every case:\u00a0<\/p>\n
We\u2019re looking closely at the options we DO have. Going through all that paperwork is not fun, but the details we found buried there are gonna make a HUGE difference\u00a0\u00a0<\/p>\n
We knew where to find them because we\u2019ve been doing this \u2014 looking at the puzzle of shopping for health insurance \u2014 for a lot of years now.\u00a0<\/p>\n
We\u2019ll walk you through some of what we did, and recap some of what we\u2019ve learned over all this time.<\/p>\n
That\u2019s coming right up.<\/p>\n
This episode of An Arm and a Leg is produced in partnership with KFF Health News \u2014 that\u2019s a nonprofit newsroom covering health issues in America. These folks are incredible journalists \u2014 their work wins all kinds of awards, every year. We are honored to work with them.<\/p>\n
Let\u2019s go back to my house for starters. As you may recall, our plan for next year is gonna cost about 500 dollars more every month. That\u2019s 6 thousand dollars for the year.<\/p>\n
And Devorah and I were processing.<\/p>\n
Devo: I mean\u2026\u00a0<\/strong><\/p>\nDan: It\u2019s a lot.<\/strong><\/p>\nDevo: That\u2019s a lot of money.\u00a0<\/strong><\/p>\nDan: It\u2019s a lot of money.\u00a0<\/strong><\/p>\nDevo: And that\u2019s just like additional money. Like we\u2019re already hemorrhaging money on health insurance, like before it goes up $6,000.\u00a0<\/strong><\/p>\nDan: Right? Right. We\u2019re already paying a lot. We\u2019re already paying a lot, and so we\u2019re looking at adding $6,000 to that and\u2026\u00a0<\/strong><\/p>\nDevo: Can I have a different timeline?<\/strong><\/p>\nDan: Yeah, we\u2019d all like that. Right now there are alternatives. Um, they\u2019re not great.\u00a0<\/strong><\/p>\nDevo: Okay.\u00a0<\/strong><\/p>\nDan hosting:<\/strong> Our broker had sent us a couple other plans to look at. And they were a little less: Instead of 2600 dollars a month,<\/p>\nDan:<\/strong> \u2026They take it down to about 2300.<\/strong><\/p>\nDevo: Okay.\u00a0<\/strong><\/p>\nDan: But by paying $300 less, we pay more for things like office visits, which we use a fair amount of, um, to see therapists and stuff like that.<\/strong><\/p>\nDan hosting: <\/strong>I mean, look: ?You think I could make a show like this without some serious support for my mental health?<\/p>\nOne reason we\u2019re looking at these super-expensive plans is: our therapists accept them. The co-pays to see them for the \u201cless-expensive\u201d plans were much higher \u2014 it ate up all the savings. I had a whole little spreadsheet.<\/p>\n
And I was hoping Devorah would be like, \u201cWow, you\u2019re so good at math!\u201d But she was looking at those totals for the full year and doing her own math.<\/p>\n
We\u2019ve got a kid who\u2019ll be applying to college next year, and Devorah\u2019s been using a tool called the \u201cnet price calculator\u201d \u2014 looks at a bunch of factors, and gives an estimate of what we\u2019d probably pay after any financial aid.\u00a0<\/p>\n
Devorah was mentally comparing what she\u2019d seen there to what my spreadsheet said we\u2019d be paying for health care next year.<\/p>\n
Devo: Do you know that this looks exactly like what the net price calculator says we might pay for college in a year? No, I\u2019m serious.\u00a0<\/strong><\/p>\nDan: I know you\u2019re serious.\u00a0<\/strong><\/p>\nDevo: I\u2019m like writing the net price calculator with our income and it\u2019s coming out with like almost the exact number you\u2019re saying we could pay on healthcare.<\/strong><\/p>\nDan: Yes, that\u2019s right. And this is\u2026\u00a0<\/strong><\/p>\nDevo: that\u2019s insane.\u00a0<\/strong><\/p>\nDan: And this, right. Well, and this is, the big number to look at next is deductible. And that\u2019s where things get very different.\u00a0<\/strong><\/p>\nDan hosting:<\/strong> Especially because all of these plans \u2014 the \u201ccheaper\u201d ones and our current one\u2013had a feature I\u2019d never noticed before: *family* deductibles. A kind of safety valve where if one person\u2019s expenses passes a certain point, insurance kicks in for the whole family.\u00a0<\/p>\nOn the quote-unquote \u201ccheaper\u201d plans, those family deductibles were five thousand, even ten thousand dollars more.<\/p>\n
I mean, I hope we don\u2019t end up in that kind of territory. The deductibles on our current plan are already in the thousands of dollars. But if we ever got there, I\u2019d sure want to stop the bleeding five thousand dollars sooner.<\/p>\n
Devo: I kind of am leaning towards\u00a0<\/strong><\/p>\nDan: Yeah. Keeping what we have.\u00a0<\/strong><\/p>\nDevo: Keeping what we have.<\/strong><\/p>\nDan: Right? Yeah. It\u2019s weird because I\u2019m like, wow, but that\u2019s\u00a0<\/strong><\/p>\nDevo: $6,000 more a year. Okay. Okay. I\u2019m gonna go take some deep breaths now.\u00a0<\/strong><\/p>\nDan: Yeah,\u00a0<\/strong><\/p>\nDevo: I don\u2019t like it.\u00a0<\/strong><\/p>\nDan: No, me either. Sorry. Thank you for joining me with this. I\u2019m sorry. Super sucks.<\/strong><\/p>\nDan hosting: <\/strong>It does \u2014 and six thousand dollars is a LOT of money for us. But it turns out, those \u201calternative\u201d plans don\u2019t save us any money, and they leave us potentially on the hook for thousands and thousands of dollars more.<\/p>\nSo I am taking this as a win. And it\u2019s the lesson: If there\u2019s ANY way to look beyond the monthly premium, you gotta do it.\u00a0<\/p>\n
Read the fine print! If you\u2019ve got ongoing health care stuff \u2014 or stuff you\u2019re GONNA do next year, like, I dunno, have a kid? \u2014 price it out for any plan you\u2019re considering.<\/p>\n
Learn the stupid vocabulary: Deductible. Out of pocket max. This time around, I actually learned a new one: FAMILY deductible.<\/p>\n
And then we get back to Emily\u2019s case. Which actually has a happier side to it. Especially after we read some fine print.<\/p>\n
Emily, we left you with Elisabeth Benjamin. She had a couple of options for you.<\/p>\n
Emily hosting:<\/strong>\u00a0 Yeah. I could either re-enroll in what I have now for 867 dollars a month. Or get a plan with a slightly cheaper premium with even crummier coverage. No matter what, I\u2019m looking at paying a way bigger percentage of my income on health insurance.<\/p>\nDan hosting:<\/strong> Yeah, because you\u2019d lose the subsidy you have now. But my guy Kurt, my insurance broker,\u00a0<\/p>\nEmily hosting:<\/strong> Kurt!\u00a0<\/p>\nDan hosting:<\/strong> He says there\u2019s another way: If I can bring you on at 30 hours a week \u2014 versus now you\u2019re at 20 hours \u2014 then Blue Cross of Illinois would consider you a full-time employee, eligible for ben efits with An Arm and a Leg. And.. you, know, I\u2019m working on it\u2026<\/p>\nEmily hosting: I know. I know you are.<\/strong><\/p>\nDan hosting:<\/strong>\u00a0 Yeah so, toward that end, Kurt has sent me a couple of plans that you could enroll in. And like even if you had to pay the whole premium, they\u2019re less than these New York plans. One\u2019s like six hundred, the other is about six-ninety.<\/p>\nBut the question is: Does that really save you money? It depends on what they\u00a0 cover. I dug up the spreadsheet Kurt had sent me.? And we looked at it together on Zoom last week.\u00a0<\/p>\n
\u2026 I\u2019ll put it in the chat.<\/strong><\/p>\nEmily: Okay<\/strong><\/p>\nDan: so the first number is, let\u2019s just look<\/strong><\/p>\nEmily: Wait I\u2019m putting I gotta put Zoom on, uh, 200% here.<\/strong><\/p>\nDan: Yeah, yeah. You for sure.\u00a0<\/strong><\/p>\nEmily: \u2026cuz they\u2019re little. Okay, okay.\u00a0<\/strong><\/p>\nDan: So. This number really pops out at me, what is the overall deductible? It seems to say $850 deductible.\u00a0<\/strong><\/p>\nEmily: Mm-hmm Mm-hmm .<\/strong><\/p>\nDan: Sounds pretty good. Sounds a little like, is that a typo?<\/strong><\/p>\nEmily hosting:<\/strong> OK- lower premium, lower deductible. What about my copays? Remember \u2013 my New York marketplace options have zero dollar copays for insulin and diabetes supplies.\u00a0<\/p>\nDan: This would be one where we would like, have to do a little more digging to figure out what your out OFP pocket would be.Let me see what I can find out. Lemme see what I can\u2026\u00a0<\/strong><\/p>\n