I pay cost for medication so it has been a long, long time since I've known what a prescription co-pay looked like. When Federal Employee Health Benefit Plan would cost 50% of my paycheck due to "Community Rating" turning out horribly relative to where I live, that counts as unaffordable. Since FEHBP is indexed to the Exchanges, it isn't like there is anything cheaper there either.

Much of our medical system on the financial back-end of it is a bit of a mess...