Transparency and high deductibles for everyone would instantly lower costs dramatically. I have to take testosterone, and you have two primary options. One is a gel that you rub on every day that's really hard to dose correctly due to absorbency issues, and the other is a weekly injection. I wasn't even offered the second option until I asked for it. The gel was $400 a month and the injection is around $20 a month. I generally hit my deductible a month or two in to the year for various reasons and the difference in copays isn't enough for me to care, generally. Medical insurance needs to be insurance again.