The biggest part of the story, somewhat hidden, is that only after expert intervention can a charge for $1,400 be reduced to $112.

    But he was shocked when the pharmacy said he would have to pay $1,400 
    out of pocket for a 90-day supply. ... 

   "...If I've got to pay $1,000 more dollars for drugs ... then it's 
   not worth it," he said.

   Fortunately, Hurd called his doctor and was able to switch to a 
   cheaper brand of insulin and ended up paying only $112.

Please do glance at http://www.truecostofhealthcare.org/