Question special

The average American changes insurance plans several times during their lifetime (the average length of time in a plan was 4.6 years in 2012 according to the Bureau of Labor Statistics) and of course each insurance plan has a different set of drugs on their formulary. This presents a real hardship for many patients accustomed to taking a certain prescription which is covered differently in their new plan. These patients find themselves forced to chose between taking a new drug with a potentially different set of side effects, or paying a much higher copay (or worse, paying out of pocket) for the drug to which they're accustomed. Under our current system, how can we best alleviate this burden for patients? What should the role of physicians, nurses, or care coordinators be?