"I pay about $10 a pen, insurance pays about $100 per (even after the price increase)."
You don't have your facts straight and seem unaware of the more recent increases. The price for a set of 2 pens was:
$103.50 in 2009
$264.50 in July 2013
$461.00 in May 2015
$608.61 in May 2016
Source: http://well.blogs.nytimes.com/2016/08/22/epipen-price-rise-s...
You say you + your insurance pay $110 per pen, so $220 for a set, so you seem to be paying the price as of right before May 2015, and you haven't bought a pen since then. You might be in for a big surprise next time you have to buy one.