IF A PENNY SAVED IS A PENNY EARNED, then
$1200 WASTED IS $1200 BURNED (tell me I am wrong, I’ll wait right here)
This is happening, I guarantee it.
If Mr X stays with his current plan, with a given set of prescriptions.
The sum of premium, deductible, and copay = $2,324.88.
If Mr X changes plans, for free, he can get this, same prescription list, same pharmacies.
The sum of premium, deductible, and copay = $1,111.47.
I don’t care what your net worth is, even a person with more than $1MM doesn’t set $1300 (=2324.88 minus $1,111.47) on fire.