[joshstrange]

Truvada which is a HIV prevention drug was priced at ~$1500/mo. I mention it because I know the chemicals in Truvada are similar but IDK the price comparison. Most people on HIV meds are probably hitting their Out-of-pocket max pretty early in the year.

I have had two high deductible plans in the last two year (work changed providers) and here were the things I remember:

Old Insurance:

Deductible: $3,000

Tier: 2

Price: 100%/$60

New Insurance:

Deductible: $3,000

Tier: 3 (maybe 4, I can't remember)

Price: 100%/25%

It was effectively free to me on my old insurance with the copay card (covered $3600) because I would hit my deductible and then have enough to cover the co-pays after. On my new insurance it's not feasible for me to pay ~$400/mo until I hit my OOP ($6000). You might be asking why I didn't look at a PPO plan instead of high deductible, because of the drug tier there was no difference in the price.