I thought there was a cap on out-of-pocket costs but my prescription drug benefit requires me to pay co-pays even after I’ve met the out-of-pocket limit for other medical benefits. Is that allowed?

Your employer plans can have a separate limit for your prescription drug coverage, but the total of all out-of-pocket caps combined cannot be more than $9,450 for an individual or $18,900 for a family in 2024. (CMS, Premium Adjustment Percentage, Maximum Annual Limitation on Cost Sharing, Reduced Maximum Annual Limitation on Cost Sharing, and Required Contribution Percentage for the 2024 Benefit Year, Dec. 12, 2022.)