Illustration by Michelle Scruggs

Kimberly Johnson (a pseudonym) pays up to $715 a month for her prescription meds. “If I have a UTI, I can add another $100,” she says. Johnson, a wheelchair user from Prescott, Ariz., has bad luck: Before her MS turned ugly, she made “too much” as an administrative assistant, so now her SSDI payment is almost $1,600 a month. If she had made a little less, or never worked at a