Last updated: March 2026
How Much Does Flu Shot (Influenza Vaccine) Cost?
Cost Breakdown by Type
| Type / Procedure | Without Insurance | With Insurance |
|---|---|---|
| Standard Dose Flu Shot | $25 – $40 | $0 – $0 |
| High-Dose Flu Shot (65+) | $50 – $80 | $0 – $0 |
| Nasal Spray (FluMist) | $30 – $50 | $0 – $0 |
CPT/ADA Code: 90686
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 100% under ACA-compliant plans with no cost-sharing
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
A standard flu shot costs $25 to $50 without insurance. Many pharmacies offer discounted prices during flu season.
Yes, flu shots are covered at 100% as preventive care under all ACA-compliant insurance plans with no copay or deductible.
Community health centers, employer wellness programs, and some pharmacies offer free flu shots during flu season, even for uninsured individuals.