Why this is confusing (and where the money actually is)
Three separate 2026 programs overlap, each with its own rules, and the cheapest one depends entirely on your insurance and your drug. The checker above sorts it for you, but the short version is: commercially insured and covered → a savings card is usually cheapest; on Medicare → the Bridge (if your drug and situation qualify) or Part D; uninsured or excluded → federal/manufacturer self-pay via TrumpRx, or compounded with the FDA caveat. What no single competitor page tells you is how the diabetes/sleep-apnea carve-out flips a Medicare answer — which is exactly the trap this tool is built to catch.