 [ Symptoms ] my husband is on disability and pays for medicare through disability i have my own health insurance through work he did not take coverage for prescriptions since he only has one and without insurance it costs 4 a month so it is cheaper to just pay 4 we were told he must get prescription insurance for the medicine or be penalized is this true the cost for prescription coverage is over 45 a month and then the deductible still would not be met in the year this will cost us too much in the long run [ Disease ] people must be covered by insurance that meets with the law is standards and the law now requires that all health plans cover prescription medications among other things your husband may qualify for financial assistance to lower the cost of his insurance coverage and he may get better quality coverage start reviewing your options at healthcare gov