Copays and medication costs can vary widely, and many insurers now charge 20% of the total bill instead of a set copay.

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"Medication costs have gone up, but overall they haven't gone up significantly, " said Matt Petersen, the American Diabetes Association's managing director of medical information and professional engagement.

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People would have to reduce costs, including necessary costs like medication and college loan payments.

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Medication waste has been reduced, meaning fewer unused drugs go into the waste treatment system and substantial costs are eliminated.

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