These out-of pocket costs are sure to escalate. A recent report from the Kaiser Health News indicated that the new normal for employer health insurance plans will be the high-deductible plans that once were regarded as "catastrophic" alternatives for people with limited financial resources. Seventy percent of large companies recently surveyed by the benefits consultant firm Towers Watson said they'll offer high-deductible insurance by 2013, combined with personal accounts that let patients buy medical services with pretax dollars, often funded by the employer.
But nearly a fifth of these Fortune 500 companies claimed that high-deductible coverage would be the only option in 2013.
So, faced with the ever-escalating cost of drugs and the shrinking reimbursement by employers and the government, what can we can do to spend less on medicine?