Can your health insurance stop covering your medicine in the middle of the year?

Yes it can though the plan should still cover something comparable or cover your medicine with a higher co-pay. Before you switch to another medicine, find out if the plan will still cover your medicine with a prior authorization. Your doctor would submit information to the plan and the plan would decide whether to approve it. If they decide not to approve it, you can appeal their decision.

If the drug is simply no longer covered and the other options are not appropriate for you, go to the drug manufacturer's website and look for their patient assistance program. Some manufacturers will give you a steep discount on the medicine, if you qualify.