We can help you find the plan that is most cost effective for you for. As always our services are free. We will use your information and provide you feedback to help you find a plan based on total cost for the year. We will be able to tell you if and when you may approach the gap. This is a very valuable tool for the 2017 year, due to so many plans making substantial changes. You are welcome to call our offices and visit with us. Our toll free number is 1-479-209-0888