Prescription Cost Comparison
Find the cheapest way to fill your medication
Your insurance copay isn't always the cheapest option. Compare insurance, cash price, GoodRx, manufacturer coupons, and Mark Cuban's Cost Plus Drugs to find the best deal.
What your plan charges
Full price without insurance
Check GoodRx.com for your pharmacy
Leave 0 if none available
Check costplusdrugs.com
- Ask your doctor about generic alternatives — often 80-90% cheaper
- Using a discount card (GoodRx, etc.) means paying outside insurance — that spend won't count toward your deductible
- Check if 90-day fills via mail-order are cheaper than monthly
- Some manufacturers offer patient assistance programs for expensive drugs
Disclaimer: This calculator provides estimates for educational and informational purposes only. It does not constitute tax, legal, financial, or medical advice. Results depend on individual circumstances and may not reflect your actual costs. Always consult a qualified professional (CPA, licensed insurance agent, or financial advisor) for decisions about your specific situation. Data reflects approximate 2026 figures from IRS, CMS, and HHS sources.
Why Your Copay Is Not Always the Best Price
Many Americans assume their insurance copay is the cheapest way to fill a prescription, but that is often not the case — especially for generic medications. Discount card programs like GoodRx negotiate directly with pharmacies and can offer prices below your copay.
The trade-off: paying with a discount card means the purchase does not count toward your insurance deductible or out-of-pocket maximum. If you expect to reach your deductible anyway (high medical expenses that year), using insurance might be strategically better even if the per-fill cost is higher.
Sources: IRS, CMS, HHS, KFF, Healthcare.gov.
Frequently Asked Questions
Is GoodRx cheaper than insurance?
Sometimes yes. GoodRx and other discount cards negotiate prices directly with pharmacies, and for many generic medications, these prices can be lower than your insurance copay. However, using a discount card means paying outside insurance — that spend will not count toward your deductible or out-of-pocket maximum.
What is Cost Plus Drugs?
Mark Cuban Cost Plus Drugs is an online pharmacy that sells medications at cost plus a 15% markup and a flat pharmacy fee. For many generics, this results in dramatically lower prices than retail pharmacies. Medications are shipped via mail order.