The system is broken. I think a fundamental issue is that insurance is not really insurance - it is used to cover routine, expected things such as a flu shot (while increasing cost for these and adding complexity, bureaucracy, middlemen). E.g. car insurance does not cover oil changes and home insurance does not cover getting the gutters cleaned - they're there for major events.

Whenever you fill a prescription at your pharmacy, ask what that cash price for the drugs would be. Frequently at my local CVS, they have "coupons" available to cash buyers that makes the cost less than my copayment.