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when the total out-of-pocket expenditures including your cost the part D insurance companyamp;#39;s cost and the manufactureramp;#39;s cost including discounts docHubes $88,000 then you move to stage four itamp;#39;s estimated that by the end of stage three the average consumer will have a total out of pocket for prescriptions of approximately $3,330 that is the soft maximum out of pocket expense for the consumer itamp;#39;s soft because the exact total will depend on the type of prescriptions youamp;#39;re on as of 2025 there will be a hard maximum out of pocket of $2,000