Last updated: March 2026
How Much Does COVID-19 Vaccine Cost?
Cost Breakdown by Type
| Type / Procedure | Without Insurance | With Insurance |
|---|---|---|
| Pfizer-BioNTech (Comirnaty) | $0 – $200 | $0 – $0 |
| Moderna (Spikevax) | $0 – $200 | $0 – $0 |
| Novavax | $0 – $200 | $0 – $0 |
CPT/ADA Code: 91309
What Affects the Cost
- Brand-name vs. generic availability
- Insurance formulary tier placement
- Pharmacy choice (retail vs. mail-order vs. Costco)
- Manufacturer savings cards and coupons
- Dosage and quantity prescribed
- Geographic location
Insurance Coverage
Typical coverage: Preventive care — covered at no cost under ACA plans; federally funded programs may cover uninsured
Most insurance plans use a tiered formulary: Tier 1 (generic) $0-$15 copay, Tier 2 (preferred brand) $25-$75, Tier 3 (non-preferred brand) $50-$150, Tier 4 (specialty) $100-$500+. Prior authorization may be required for certain medications. Step therapy may require trying cheaper alternatives first.
How to Save Money
- Always ask for generic when available — saves 50-90%
- Use GoodRx, RxSaver, or similar discount cards
- Costco pharmacy is open to non-members and often has lowest prices
- Mark Cuban's Cost Plus Drugs offers transparent low pricing
- Manufacturer patient assistance programs provide free medication to qualifying patients
- HSA/FSA funds can cover medication costs tax-free
Related Procedures & Costs
Frequently Asked Questions
COVID vaccines are free for most people through insurance coverage. Without insurance, the retail price is around $120-$200 per dose, but assistance programs may cover costs.
No, COVID vaccines have been available through various government programs regardless of insurance status. Check your local pharmacy or health department for current availability.
The CDC recommends updated COVID boosters annually, similar to the flu shot. High-risk individuals may need boosters more frequently.