He says most patients gradually move into the donut hole as they require more medications or come up with side effects that cause them to need more expensive meds
https://discussion.fool.com/t/medicare-drug-donut-hole-jardiance/81464/1
We have a discussion of the donut hole over on the Healthcare Financing category.
In my case donut hole raises medicare copays by $1000/yr. Dr says most seniors gradually move into the donut hole.
As you plan for retirement factor in rising medicare copays, $1000/person.