I know the current system as well. It is pretty damn broken. Long story short, I am currently without a prescription plan (premium was $486 per month). My son has had a stubborn ear infection, so this has been the first time we've needed any prescription in over a year in our house. After seeing the doctor, like you at 4:45, we were given a script. Powerful antibiotic. We informed the doctor we were without insurance. She was kind enough to shuffle through a pile of crap to find that a drug rep left coupons for steep discounts on the med. needed. Walmart pharmacy wouldn't honor the coupon. They wanted $120 for the script (mind you, we have already done a $70 script and a second generic script). We left it at the counter and went to CVS. After about 20 minutes on the phone with the drug company, the pharmacy was able to honor the coupon to reduce the script by $100. We paid $20, but it took 2 trips to pharmacies. Waiting around for an answer. Finally, resolution and home by 7:00 PM Point being, health care should not be like buying an airline seat. How the f#ck can a drug be $120 if I don't ask my doctor what they can do and $20 because of a drug rep coupon? Or God knows how much if my $500 pharmacy insurance premium with a co-pay built in was being used? That's current day US healthcare.