CTL: I don’t know your options, but is it perhaps possible to get a High Deductible Prescription plan? I think you may be underestimating the cost of some drugs, should you ch”v need them this year. I sincerely hope you won’t.
And of course, drug companies charge more to the consumer directly than for insurance companies.
You seem to be the cautious type, so find your own insurance broker, not from the ones that are running after you, and you might get a better picture.
Wishing you the best of health!