Medications are expensive
So, being unemployed, I have to pay my own health insurance. This is currently around $500/month.
This insurance uses high copays on medication in order to “encourage the use” of cheaper medications. I have four medications which are expensive and get a $100/month copay, so I’m still paying $400/month on those meds.
Two of those meds have copay assistance programs, which present their own set of problems, and insurance companies hate that they exist, because they’re a retroactive incentive to make it easier for people to swallow the high copays on the meds while insurance still has to pay the bulk of the price, and the pharmaceutical companies bake the copay assistance program discount into the retail price of the medicine anyway so it’s not like they’re hurt by it at all.
But if I had to pay out-of-pocket for these meds, I’d be paying more for them than for my house.