Affordable Diabetes Medication: Ways to Save

Diabetes medication and supplies can be expensive in the US. In 2019 the pharmacy chain CVS Health launched one of the first programs to cap out-of-pocket insulin costs for some members of its pharmacy benefit plans — and since then, more ways to save have appeared. Here is an overview of the main options today.

Programs, prices and eligibility change frequently. Always confirm current terms with your pharmacy, insurer or the manufacturer.

1. Use the insulin price caps

• Medicare: since 2023, out-of-pocket costs for covered insulin are capped at $35 per month for people with Medicare Part D or Part B (pump insulin).
• Manufacturer programs: the major insulin makers offer programs that limit out-of-pocket costs for many commercially insured and uninsured patients — often around $35 per month.
• State laws: many states cap insulin copays for state-regulated insurance plans.

2. Ask about lower-cost versions

Unbranded ("authorized generic") insulins and biosimilars cost much less than the brand-name originals. Older human insulins (NPH, regular) are available at low prices at some large retailers, but they work differently — switch only with your doctor.

3. Generics for tablets

Metformin, sulfonylureas and some DPP-4 inhibitors are available as generics and often cost a few dollars a month through discount generic lists at pharmacies or online pharmacies.

4. Patient assistance programs

Manufacturers of newer medicines (GLP-1 receptor agonists, SGLT2 inhibitors) run patient assistance programs for people with low income or without insurance. Your doctor's office can help with the forms.

5. Pharmacy discount cards and 90-day supplies

Discount cards can lower cash prices; a 90-day supply by mail is often cheaper than three 30-day fills. Compare prices — they differ a lot between pharmacies.

6. Supplies: strips and CGMs

Store-brand meters and strips are much cheaper than branded ones and must meet the same accuracy standards. CGMs are covered by Medicare and many insurers for people using insulin or with problematic lows; some over-the-counter CGMs are now sold for adults not on insulin.

7. Community resources

Federally qualified health centers offer care and medication on a sliding fee scale. Diabetes educators and social workers often know local programs.

Never ration insulin

Skipping or stretching insulin doses because of cost can lead to diabetic ketoacidosis within days. If you cannot afford your insulin, tell your doctor or pharmacist immediately — there are emergency options.

Related: diabetes overview · High Blood Sugar (Hyperglycemia): Levels & Signs