I agree with you.
A friend runs a once a month free clinic where you can't have insurance of any kind to get free care and free meds. (This state did not expand mediciad so that makes the client numbers pretty high.) Each month they turn away people with health insurance who come hoping for the free meds as they can't afford all of their meds (most of them with insurance who can't afford their copays use the one system here that doesn't cut off care or sue you if you end up in collection). If you are really poor medicaid + medicare bails you. If you are above the poverty line but at the lower end of income level it can be too expensive to afford all your meds every day, every month. D, of course, has plans where common generics are free or really inexpensive, but lower income and have some expensive ones you may not fill those Rx's consistently because you then are struggling to make ends meet when you do. So the limit makes sense for that end of the socioeconomic status, although even the $167/mo (=cap/12) may be more than some can afford.
