We switched to the HRA and now our prescription drug coverage has a deductible. Though in the marketing to compare and contrast the PCA and HRA, the literature said the RX coverage was the SAME! Bullshit!
I also have a very teeny tiny HSA to buy my big red boat one day.
The inequity is just wrong. We are still fortunate but now we are middle tier price-wise for medicine. If only I didn’t know others got the same drugs for less. Of course to get back into best tier status, We’d have to go to a PCA and pay much more in premiums. This is a racket I tell ya. And sad that folks have to go without due to this crooked system.
I wish I knew what to do to help.
As always, more to come.
J-Dubs Grin and Bear It 
You have made my head ache too. It does sound currupt to me .X🌹
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More of the haves and the have nots. Sad 😞
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It really is 🌹🌹
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It’s getting worse, every year. Two years ago, it took a sudden hearing loss, complete with MRI and many doctor visits, AND an ambulance ride to the ER to exceed my deductible, but not my maximum-out-of-pocket spending. This year, I’d need two ambulance rides, and I wouldn’t come close to that OOPS limit.
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There has to be a better way.
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