Standard plans have a deductible, then you pay 25% of the cost of drugs until you reach the donut hole. (In 2023, this happens once you and your health plan have spent $4,660 on your medications.) Now that it’s closed, you’ll also pay 25% of the cost of drugs while in the donut hole. But for example, if your plan is designed with a copay (instead of a 25% coinsurance) after the deductible and before the donut hole, your costs will change once you reach the donut hole.