I worked with a guy with diabetes. Hes about to retire around now.
The company we were working for was acquired by a VC backed larger entity who offered much less in terms of benefits. His out out pocket expenses increased quite a bit as the new entity self-insured and even the best health plan had really high deductibles and the coverage was not great even after that. IIRC it covered like 60-80%, its a bit foggy because I could basically never use it.
He was using blood test strips and injecting insulin because it was the only thing that fit in his budget. We talked about it very occasionally, I asked him if he could get the electronic insulin thing that attaches to your arm and talks to your iPhone, and he told me about the coverage and costs and he really couldn't swing the out of pocket.
This guy was pretty advanced in years and had controlled his diabetes pretty well, but I saw the inconvenience and sometimes normal forgetfulness affect him often. His mood would be unpleasant at times, and I could see that he was often not feeling ok. Eventually, his doctor had an old tamagotchi looking leftover electronic blood sugar monitor that he ended up giving him for free, I guess it was old enough it wasn't going anywhere. His doctor thought the diabetes could be better controlled and took it upon himself to try to get him to upgrade his quality of life.
He used that for a while and it was a bit janky but worked, I noticed his mood and demeanor improve quite a bit for a few months, this also improved our work, but he stopped using that because there was some upkeep on it that was also not covered in our plan. So he went back to the blood-finger-strips.
I felt pretty bad about this situation, this dude was stuck in a job that even I hated (and quit, nowadays I have BCBS from an actually good organization) because the old, acquired company had a really good deal: Employee Ownership. When the firm acquired and consolidated that company, they took on the employee ownership agreement. This was a huge chunk of this man's retirement, but the new deal required him to stay on in order to claim the benefits he had been planning on retiring with for 25 years.
He could definitely have quit and made more money with better benefits, but he would have lost his retirement strategy.