Nobody pays rack rates. Most pharmacies keep their own PBM access cards (like GoodRx) to scan at the counter if customer doesn't bring their own. Some examples of self-pay prices: Insulin Lispro 10ml of 100 units/ml (1 vial) - $27.49 Amoxicillin 500mg (21 capsules) - $9.09 Lisinopril/HCTZ 20mg/12.5mg (90 tablets) - $12.15

This isn't very relevant to us though given none of us have any long-term issues (what actually got me to switch off health insurance was getting the EoB paperwork [every week, because the bills never seemed to stop for a long while after I stopped going to the burn clinic] for severely burning my hand in a grease fire; I would've been better off uninsured and shopping around). After a decade at the $20k/year assumption for family of 3's health insurance, we wind up with ~$200k saved up BEFORE investment gains (which, while I'll grant can be negative, we do have a pretty powerful, accessible, and long-term consistent engine in the US). Once I'm in my 40s, I should be able to afford having brain cancer; and if I don't get brain cancer, well, the biggest positive there is not having brain cancer.