I often wish we in the US would separate out long-term medicine from insurance. It really violates any rational for insurance to have a continuous, known cost be part of that. Also, it ups the insurance cost for everyone else.

I wish we had a separate drug assistance program. Something like if you are making less than 200 or 300% poverty[1] the government will pay the full cost[2] and then just pro-rate it from there. Since we are talking long term drugs, its by definition something that would be applicable to preexisting conditions. I worry that it will not take the steps necessary to control fraud or run out of money like IHS.

1) http://familiesusa.org/product/federal-poverty-guidelines

2) obviously some upper limits apply https://www.medicaid.gov/medicaid/prescription-drugs/pharmac...