I take a fancy medication every week with an MSRP adding up to over $7,000 a month. Even with the cheapest insurance on my state's marketplace, I pay $0 for the

I take a fancy medication every week with an MSRP adding up to over $7,000 a month. Even with the cheapest insurance on my state's marketplace, I pay $0 for the drug because of a manufacturer copay savings program. This arrangement also happens to delete my yearly deductible and out-of-pocket max astonishingly quickly, making most of the rest of my healthcare free. I have literally no skin in the game. Speaking as one of the winners in this charade, this whole thing is so stupid. It makes you wonder why they don't set drug MSRPs even higher.