QUESTION

Does my health plan have to cover the cost of at-home COVID-19 tests?

Post enrollment issues | Individual Health Insurance | Employer-Sponsored Coverage |
ANSWER

No. Although federal law under the COVID-19 public health emergency required insurers and health plans to cover and waive cost-sharing for COVID-19 tests, those requirements are no longer in place. Health plans can choose whether or not to cover such tests, and whether to impose cost-sharing. Many plans are likely to cover COVID-19 tests if they are administered in a doctor's office or hospital, but are less likely to cover at-home tests that you purchase over-the-counter. Some local or state governments may offer free COVID testing services, so you may wish to check with your local public health department before purchasing one.

Individuals with no coverage
Individuals with coverage
Coverage for small employers
Post enrollment issues