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If you don't have some kind of insurance, even something like those GoodRx coupons, you're not paying for insulin, not for long anyway. When I was a teen (mid 00's) my dad went to go grab my insulin at the pharmacy and instead of the normal price they tried to charge him $2800 for a 2-week supply. It ended up being just a random glitch in their system and later they charged us the same normal price. But that would've been the cost for half a month's worth of one medication out of the nearly 6-8 others I need(ed) in conjunction. Getting sick past a cold/flu in America without insurance or free medical care at your disposal is a death sentence. And not only are you going to die, you're going to go flat broke doing it.
The cap on insulin cost is only for those with insurance. If you are uninsured, good luck.