Y'all think this shit is hard to figure out now, wait until you are at retirement age and have some not so good illnesses.

Talk about a system that's damn difficult to figure out.

For no good reason at all, the drug I use (a generic for CelCept) was changed from one tier to another, so my out of pocket for that drug has increased drastically, as well as my monthly premium increasing by some 46%.

I see this as a result of the ACA, and all the free healthcare given to others.