I take a medicine which typically costs $600 per month. If I don't take it, I won't feel any different, but I could suddenly die (expected rate of one incident per 6 years).

For some reason, my insurance, which is really terrible most of the time, is covering it at $0 per month, despite not having even met my deductible this year. If this changes on January 1st due to plan changes (or changes at any other time, for whatever reason) then I'll probably just be screwed.

So I just have to live with this uncertainty.

(What do people do when they have a $10,000 deductible and have to take this med?)