 [ Symptoms ] i am relatively healthy however i have ms  my major medical cost is my medication which has climbed by over 300 in the last 7 years fortunately i have coverage through my company and only pay about 1 of the almost 50 000 annual cost what does the new affordable care act provide in regards to this type of issue [ Disease ] although it may not kick in for you until 2015 if you have been paying a separate deductible and other out of pocket costs for your medication coverage and your medical coverage that will merge that means you may end up paying less out of pocket because your medical and drug coverage out of pocket costs cannot exceed 6 350 per year