Also, I know that some makers ( Eli Lilly in particular ) also offer need-based aid programs to provide insulin. If you reach out to them and they're manufacturing, I believe you can get the insulin at near free if not free. ( This is also true for many medications that fall into the commonly-used category, you can explore manufacturer sites to see if they provide aid for a particular drug that is in your list )
Obvs it would be great if they covered 100%, but if you're trying to cover your ass right now, it's worth asking your provider about.
Because the number of people using aid programs is a major factor in getting them identified and improved.
So some more ancedotes to confirm.
https://web.archive.org/web/20220521183320/https://www.nytim...
Legislators with health industry contacts are the only healthcare users in the US whose effective copays are negative.