The drug companies have assistance programs if that happens. You can also look how much your medication and change to the $4-10 list of medication Costco has good prices. I'm scared of that too, my medication for a month is close to $5k.My back up is about $50 still a lot for me but more doable. My husbands heart failure meds are more expensive and can not be changed. But if that is your main reason look through the walmart discount list of meds and try switching to them.