Check around on prices of different medications. The older medications will have a “generic version” called a biosimilar. Erelzi, in the case of Enbrel’s biosimilar. They’re not, strictly speaking, a generic version to the original drug, but they are equivalent to their name brand counterparts, using a slightly different formula to achieve the same therapeutic results. Also, some of the traditional DMARDs are less expensive than biologics, most notably, Methotrexate. I’m not sure if there is a generic Apremilast on the US market yet, but the FDA granted approval for generics in 2023, so you can check into that. The patent for the JAKi medication, Xeljanz, expires next year, so a generic version of that might come along fairly soon after that. You can also check with the companies that make these drugs to see what their patient assistance final cost will be to you. My personal experience in this vein was with Abbvie, the makers of Skyrizi and Rinvoq. Since my insurer, the Veteran’s Administration, had denied me Skyrizi in favor of something different, they approved me for Skyrizi at zero cost. I don’t remember how my income figured in, but my VA disability compensation is about what you state you make, and my wife is on social security disability. I have since stopped using Skyrizi, but last year I reapplied (and was again approved) for their patient assistance program to receive Rinvoq at no cost. Unfortunately, my rheumatologist had to take me off JAK inhibitors due to multiple opportunistic infections. I actually still have a lot of Xeljanz and Rinvoq that I never used because both the VA and Abbvie continued sending me these mediations even after they were discontinued. Infuriating that some people cannot afford these medications, and then due to a paperwork foul up, someone else gets $40,000 worth of it for free, and they’re not even interested in recovering the unused/unopened medication. Their response was, “oh, no problem”.