Sorry missing something here as a non Americana person. Why should someone have to understand and negotiate co-pay, or having to chose more efficient pharmacies and reimbursement rates when they just want the pharma that like keeps them alive?
It’s less about negotiating a copay, but rather letting market forces work to people’s advantages
From zero to 25usd/month is a huge difference
I know how much my EU colleagues make in income and how much they pay in taxes to save that huge difference of $0 to $25.
I’d much rather have my salary, insurance bill, and $25 Rx co-pay all day long.