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Here's how else to avoid overpaying and making the most of your drug coverage. By Elizabeth O'Brien. While President Donald Trump has launched TrumpRx and other initiatives to lower costs, Americans are still spending far more each year on prescription drugs. Consumers are largely on their own in an increasingly complex world of online pharmacies, discount pitches, and insurance hurdles to navigate.For retirees, the stakes are high for one's health and financial well-being. Seniors can expect to spend about 15% of their overall budget on healthcare costs. For those who take generic drugs for common conditions like high cholesterol, medications represent a small share of spending. 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