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What happens if you can't afford your medication?

475 replies

Frequency · 16/01/2026 10:28

I can btw, this is not a begging thread, but I'm taking the money from my savings, and I don't always have money in my savings, which has got me pondering.

If I didn't have savings and my asthma medication ran out, is there a scheme where I can buy now, pay later, or is it a case of risking death or needing A&E?

Are there any other life-saving medications you have to pay for, or is it just asthma? I know my mum gets free prescriptions because she needs thyroid medication, but that doesn't seem as serious or life-threatening as asthma to me.

What's the criteria for a medication being free, and why doesn't it seem to make sense?

OP posts:
2dogsandabudgie · 16/01/2026 16:12

I agree that if you can't afford £10 a month for your health then something is wrong. I'd rather pay £10 less on heating than medication.

Hollyhobbi · 16/01/2026 16:16

Tengreenuggs · 16/01/2026 16:08

Never heard of this before. 99.9% of patients take daily thyroxine. Good to see the whataboutery is alive in every corner of the internet though.

So what just because you’ve never heard of it before doesn’t mean it doesn’t happen!! And it’s not a gp who prescribes it to me but a Consultant Endocrinologist so he knows what he’s doing.

StripyHorse · 16/01/2026 16:21

TheRealMagic · 16/01/2026 11:36

Who is giving out paracetamol or calpol on prescription? In my experience that's only ever when it's given in hospital - and that makes sense, you can see the logistics of making patients provide their own when hospitalised don't make sense. GPs sometimes used to prescribe things like that to save patients the cost but in my experience that stopped long ago, as did GPs putting multiple months' doses on one prescription so that the patient saved on the prescription charge.

My dad had paracetamol in prescription. He had to take it alongside oramorph and in such quantities that it would have been impractical for him to purchase. He did suggest to the doctor that he would just buy it.

Just because in most cases it can just be picked up quickly and cheaply, doesn't mean there aren't exceptions.

Just to add, I know frequent/ long term use can cause liver damage, but this was not an issue as this was end of live care but not in a hospice or hospital.

Interested in this thread?

Then you might like threads about these subjects:

MeridaBrave · 16/01/2026 16:23

You can do a prepayment certificate which covers all prescription costs. Might not be worth it for one a month.

re: free it’s when you need the medication daily, and that it will be for life - I have hashimotos. It’s not life threatening but it will never get better.

flatterlylatterly · 16/01/2026 16:25

Frequency · 16/01/2026 10:36

I think I've looked into this before, and it only works out if you get multiple medications. I only need one inhaler a month.

9.50 is a lot, every month. The annual certificate will save you 50p in the year if you buy an inhaler every month, and any other medications you are prescribed will in effect be free, so it might be worth it, if you can find the full amount.

MeridaBrave · 16/01/2026 16:25

Tengreenuggs · 16/01/2026 16:08

Never heard of this before. 99.9% of patients take daily thyroxine. Good to see the whataboutery is alive in every corner of the internet though.

I think this is common when say 100mcg is too much but 50mcg wouldn’t be enough. Could take 75mcg a day but that would mean both 25mcg and 50mcg (many thyroid patients don’t have just one pill a day for that reason.

Negroany · 16/01/2026 16:33

flatterlylatterly · 16/01/2026 16:25

9.50 is a lot, every month. The annual certificate will save you 50p in the year if you buy an inhaler every month, and any other medications you are prescribed will in effect be free, so it might be worth it, if you can find the full amount.

Each script is £9.90. The cost per month, over 12m of the pre payment, is £9.54.

But it's paid over ten months.

It works out less.

flatterlylatterly · 16/01/2026 16:41

Negroany · 16/01/2026 16:33

Each script is £9.90. The cost per month, over 12m of the pre payment, is £9.54.

But it's paid over ten months.

It works out less.

Sorry, typo. I was meaning to agree with you!

Negroany · 16/01/2026 16:52

flatterlylatterly · 16/01/2026 16:41

Sorry, typo. I was meaning to agree with you!

It saves just over £4 a year. Not loads, but as soon as you get any extra script, that is free so the savings add up.

My partner did it, on my suggestion, for one script a month. A while ago he moved to five a month, so it turned out to be a massive saving for that time, which was about six months, thanks to NHS delays in appointments. They've now reviewed and he's down to three, and one is working better so he takes less of one of the painkillers. But still, £9.54pm for three prescriptions!

AnotherForumUser · 16/01/2026 17:21

MyrtleLion · 16/01/2026 12:08

£9.50 X 12 (months) = £114.

Prepayment is £114.50. Cheaper to pay the individual fee.

Where is my maths wrong?

A single prescription charge is not £9.50 it's £9.90 so 12 x £9.90 is £118.80 which is more than the 12 month certificate at £114.50

bridgetreilly · 16/01/2026 17:43

AzureStaffy · 16/01/2026 14:55

If type 2 diabetics are on medication for it then all their prescriptions are free.

Well, I just googled and it turns out I have been paying for prescriptions unnecessarily for years!

BowlyLarr · 16/01/2026 17:45

Tengreenuggs · 16/01/2026 15:54

It’s because thyroid medication needs to be taken daily. Skipping days becomes a risk to life and affects every cell in your body.

Not the same for epi pens.

I don’t think this is true - levothyroxine has a long half-life, so it stays in your system for quite a while and changes in dose (up or down) take weeks to have an effect. It’s definitely not like insulin which has to be monitored daily/hourly.

FlatWhiteExtraHot · 16/01/2026 18:00

BowlyLarr · 16/01/2026 17:45

I don’t think this is true - levothyroxine has a long half-life, so it stays in your system for quite a while and changes in dose (up or down) take weeks to have an effect. It’s definitely not like insulin which has to be monitored daily/hourly.

Exactly. If I skip my thyroxine I’m not going to instantly drop dead. If I don’t have my asthma inhaler I could.

Frequency · 16/01/2026 18:08

BowlyLarr · 16/01/2026 17:45

I don’t think this is true - levothyroxine has a long half-life, so it stays in your system for quite a while and changes in dose (up or down) take weeks to have an effect. It’s definitely not like insulin which has to be monitored daily/hourly.

It is true of some types of asthma, though. The inhaler I take needs to be taken twice daily to be fully effective, and skipping days increases the risk of a severe attack and death.

It also affects every facet of my life when my asthma is not controlled with proper medication. I don't think a lot of people on this thread understand what asthma is.

It's not a case of you get a bit wheezy, take an inhaler, and then you're fine. Uncontrolled asthma, i.e., unmedicated or poorly medicated asthma, commonly causes sleep disorders, fatigue, and an inability to concentrate or complete tasks, depression, anxiety, GERD, and obesity, and if left unchecked long enough, can cause permanent damage to the airways. It can also lead to other diseases, such as lung infections and heart complications, and also death.

Which is why I was comparing it to thyroid disease. They are both life-limiting and will eventually cause death when not properly managed, but one has the added bonus of the potential for sudden, acute symptoms leading to death if the correct medication isn't immediately available (and sometimes even when it is). The risk of this rises if preventative medications aren't used consistently.

I'm not sure how one would choose to pay £10 less for heat, as one poster suggested, but I'll try asking OVO if they would mind lowering their prices for me next time I speak to them. If you meant don't heat the house and choose to be cold instead, that would make it worse, not better, because I would then need more inhalers and have a higher risk of infections and death.

I know people are replying as if this is just a me issue, but my question was about people in general, not me specifically. I, specifically, can lend a blue inhaler if I ever really need to.

Again, as I said earlier, the article linked by a PP shows that 54% of asthmatic adults report having skimped on their medication due to costs, so it seems it is a bigger issue than people, myself included when I started this thread, believe.

OP posts:
Negroany · 16/01/2026 18:12

There's no answer to the question "what do people do in general" though, because everyone is different.

Ask a friend for money
Ask family
Raid the kids piggy bank
Cut back on groceries
Use a food bank for a week or rwo
Stop vaping
Sell something on eBay/Vinted
Do a car boot
Check down the back of the sofa
Review all your reward points
Cancel a subscription
Ask your GP for help
Go to A&E or urgent care

There's a myriad of things "people" could do. They're all different.

Dontcallmescarface · 16/01/2026 18:14

Are there any other life-saving medications you have to pay for, or is it just asthma?

All 8 different tablets I now have to take following a very serious heart attack have to be paid for. Pre-pay was obviously the only way I could afford it until I turned 60 2 weeks ago.

Hopingforaholiday · 16/01/2026 18:20

I’d do the 12 month pre pay certificate if you can then you don’t need to be in this situation. If you have savings I’d use them to buy this.

Hopingforaholiday · 16/01/2026 18:22

Lots don’t seem to know re pre pay certificate. In most cases of regular medication this will be best option.

I do this one as I just have hrt www.nhsbsa.nhs.uk/help-nhs-prescription-costs/nhs-hormone-replacement-therapy-prescription-prepayment-certificate-hrt-ppc

Frequency · 16/01/2026 18:23

Dontcallmescarface · 16/01/2026 18:14

Are there any other life-saving medications you have to pay for, or is it just asthma?

All 8 different tablets I now have to take following a very serious heart attack have to be paid for. Pre-pay was obviously the only way I could afford it until I turned 60 2 weeks ago.

That's awful, and again, what is the criteria for some medications being free and others not? It makes no logical sense, other than the suggestion of newer treatments like asthma inhalers not existing when the rules were made.

I assume a lot of other conditions are not properly managed due to costs. Things need to change if 50% of people with chronic conditions they need to pay for are deliberately mismanaging their medication to save money.

I don't know how we could fix it though; making everyone pay would just lead to more people being unable to afford to manage their conditions properly. The suggestion of only the medications to treat chronic conditions being free sounds fair, but how much would that cost on paper?

We could roll prescription costs into NI payments so everyone pays the same amount, but I imagine that would ruffle too many feathers.

OP posts:
NameChangeElaine · 16/01/2026 18:43

Frequency · 16/01/2026 13:00

No, I don't think so.

I'm in the category where I earn just too much for UC but not quite enough to manage. Usually, month to month, we're OK. Choices have to be made sometimes; someone (usually me) might have to wander about with a hole in their only pair of shoes until payday, but we can afford the essentials with a tenner or so left for savings. Some months, no one needs shoes, and I might be able to put £30 or £40 in savings. And some months, something breaks, and the savings are gone.

Something like the weather turning and needing to put 2x as much on the gas meter than we usually do can tip us from just about managing to not at all managing very easily.

Well it’s all a matter of priorities, if things are so tight for you that you only have one pair of shoes with holes in them or a cold weather spell can tip you into not managing very well and you’re in a situation where a perfect storm of events could mean you can’t afford a tenner for your life saving medication then I’d argue it’s probably not a good idea to have multiple pets.

Negroany · 16/01/2026 18:44

It's not about whether it's life threatening, it's about the risk of co morbidities and the impact of them.

It sounds like you think that because you pay, everyone should. That seems a bit odd to me.

TigerRag · 16/01/2026 18:54

Negroany · 16/01/2026 18:44

It's not about whether it's life threatening, it's about the risk of co morbidities and the impact of them.

It sounds like you think that because you pay, everyone should. That seems a bit odd to me.

I think it's more why should an adult with a life threatening illness have to pay? Asthma kills 4 people a day. I wonder how many of those would still be alive if they could afford their medication?

I take it you don't have experience of asthma and how quickly you can go from being ok to struggling to breathe?

CopeNorth · 16/01/2026 18:59

Frequency · 16/01/2026 13:00

No, I don't think so.

I'm in the category where I earn just too much for UC but not quite enough to manage. Usually, month to month, we're OK. Choices have to be made sometimes; someone (usually me) might have to wander about with a hole in their only pair of shoes until payday, but we can afford the essentials with a tenner or so left for savings. Some months, no one needs shoes, and I might be able to put £30 or £40 in savings. And some months, something breaks, and the savings are gone.

Something like the weather turning and needing to put 2x as much on the gas meter than we usually do can tip us from just about managing to not at all managing very easily.

You don’t need to be on UC https://www.nhsbsa.nhs.uk/nhs-low-income-scheme
it’s assessed on income v your necessary living expenses

NHS Low Income Scheme | NHSBSA

Includes what's covered, who can apply, how to apply and renewing and replacing your HC2 or HC3 certificate.

https://www.nhsbsa.nhs.uk/nhs-low-income-scheme

Upstartled · 16/01/2026 19:03

I blame Spielberg for this myth that asthma is something entirely trivial and inhalers are for a quick hit when something excitable happens to an anxious person.

AzureStaffy · 16/01/2026 19:36

bridgetreilly · 16/01/2026 17:43

Well, I just googled and it turns out I have been paying for prescriptions unnecessarily for years!

Edited

I hope you'll get them free now. There's some confusion about the issue and some patients have been fined despite genuinely thinking they were exempt.

https://www.theguardian.com/money/2022/dec/22/nhs-has-fined-me-for-claiming-free-prescriptions-because-of-its-own-mistake

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