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

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.