When Melissa Knott tried to order her children’s next three-month supply of insulin, she expected to shell out about $900, which would have been a welcome decrease from previous years. Instead, her insurance company told her she’d need to pay $5,600 for the three types of insulin her two children use, despite a new Colorado law limiting out-of-pocket costs to $100 per prescription each month. Knott’s insurance plan fell into an exemption, because it’s partially self-funded, meaning her employer takes on the risk of covering employees, but can use an insurance company — in this case, Humana — to process claims.