Can you reduce what insurance covers, like remove from your plan, and just pay out of pocket?
It is a situation that needs to be dealt with.
I favour HSAs to allow people to build up investment accounts tax free to help fund their healthcare.
My wife just got 1 month of Mounjaro for $58. We paid more than $1000 a year ago. She bought 3 months supply in a foreign country for $400 per month.