Does this mean that someone with diabetes effectively has to pay 50k/yr for health insurance? Or do you mean diabetics can pay more than 50k/yr because no indiv

Does this mean that someone with diabetes effectively has to pay 50k/yr for health insurance? Or do you mean diabetics can pay more than 50k/yr because no individual vial of insulin costs over 50k, so a diabetic is expected to pay for all of their insulin out of pocket for their entire life?