Karyn Wofford dreads going to the pharmacy to pick up her insulin.
“I can research a plan before I choose what we’re going to do next year, but there really is no way to know what’s going to happen. The uncertainty is one of the worst parts about it,” says Wofford, 28, a writer from Atlanta.
Like many Americans, she has a high-deductible insurance plan, so she pays out-of-pocket until reaching the deductible, and then she must contribute a hefty copay. Costs change constantly, but she has been paying $1,300 a month for Humalog, which forces her to ration her doses.
The costs are why she and her husband haven’t had children or bought a home. But the uncertainty, from month to month and year to year, of what it will cost her to stay alive might be worse.