- the new law 2025 will effect pay more instead you pay less for for proscription drug , because they use 23% 29% share cost apply for high cost medication , this year I do pay my tier 3 medication around $1200’s / year , in 2025 I have to pay 23% share cost of medication and cost me $500more , it’s horrible how the Health insurance make money in USA. only patients use insulin pay $35.00 / month