While most insured Americans should still receive COVID-19 vaccines at no cost, a recent CDC shift to shared clinical decision-making for vaccines has introduced potential for out-of-pocket expenses. Experts note ambiguity, as insurers may not universally interpret this as a mandate for free coverage. However, major insurers have pledged to cover updated COVID-19 vaccines without cost-sharing through 2026. Separately, a recommendation change for the MMRV vaccine means it may no longer be free for many.

Prepared by Olivia Bennett and reviewed by editorial team.