Choosing the Plan Although some programs are reducing their premiums, beneficiaries should note that the best choice is probably not the one with the cheapest premium, but rather the one that will mean the cheapest total cost, over the year for medications, based on the Sun. Seniors should consider the so-called doughnut hole insurance coverage gap, under which beneficiaries must pay for drugs after $2,510 in costs possess accrued for the entire year. The gap ends once total medication costs hit $5,726.35. Some programs cover generic drugs during the doughnut hole . Today According to USA, only one insurer, which serves beneficiaries in Florida, addresses brand-name drugs through the gap .While subsidies in regulations will shield some individuals, other consumers who make too much for assistance are set for premium rate shock, Tag Bertolini, who operates the third-biggest U.S. Health-insurance company, told analysts yesterday at a conference in New York. The prospect has spurred discussion of having Congress delay or stage in parts of the law, he said . Modern Healthcare: Even more ACOs Coming In New Year The number of accountable care organizations operating under Medicare's shared-savings system is expected to grow in the approaching weeks. The initiative started roughly eight months ago with 27 accountable care companies and expanded in July to add another 89.