How to deal with the flu when you don't have health insurance

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Myles Ma, CPFCSenior ReporterMyles Ma, CPFC, is a senior reporter and certified personal finance counselor at Policygenius, where he covers insurance and personal finance. His expertise has been featured in The Washington Post, PBS, CNBC, CBS News, USA Today, HuffPost, Salon, Inc. Magazine, MarketWatch, and elsewhere.

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Updated Sept. 5, 2019: An annual flu vaccine is the best way to prevent the flu, according to the Centers for Disease Control and Prevention. But how do you go about getting vaccinated if you don't have health insurance? And if you're unlucky enough to catch the flu, how can you treat it?

Preventing the flu without health insurance

You may have heard the flu vaccine isn't as effective in some years. There are many flu viruses, and different versions are predominant each year. As a result, vaccinations vary in how well they combat the flu.

However, that doesn't mean vaccines are completely ineffective. The CDC still says vaccination is the best way to prevent the flu. Plus, studies show vaccinations help make symptoms less severe if you catch the flu, said Brian Staiger, a pharmacist and founder of

Uninsured people shouldn't need to pay much for a vaccine. While a doctor's visit may prove costly, pharmacists can also give you the vaccine. A shot from a retail pharmacy should cost $20 to $30, Staiger said.

There are also plenty of free ways to boost your immune system and prevent disease, like washing your hands, eating a healthy diet and getting enough sleep.

Treating the flu without health insurance

The flu can knock you out. I've had it once, and it was gross. My chest hurt, the lymph nodes in my throat swelled and I was sweating like a murder suspect.

Luckily, it went away with plenty of hydration and rest, which shouldn't cost much. For most people, that's the only treatment necessary, though an inexpensive over-the-counter drug like Tylenol may help with aches, Staiger said. (Note: Consult a doctor for your best course of treatment.)

However, for high-risk cases — including people who have been hospitalized, people with especially severe symptoms, young children and people over 65 — the CDC recommends antiviral medication. This will cost you.

"Those antiviral medications are extremely expensive if you were to pay out of pocket," Staiger said.

Tamiflu is the most commonly prescribed antiviral for the flu. It's also sold generically as oseltamivir and is available at most pharmacies, with an average retail price of $127, according to GoodRx, a website that compiles prescription drug prices. Staiger recommended that uninsured people ask their pharmacists if they offered a discount card or coupon. Nearly all major chains offer some kind of discount on generics, he said.

You can also get coupons online at websites like GoodRx. For example, GoodRx has a coupon that would let me pay just $50 for oseltamivir at my local CVS.

The flu is nasty, but even without insurance, you don't have to go broke fighting it.

P.S.: You can get health insurance

Open enrollment is closed on, but you may also qualify for a special enrollment period. Special enrollment periods are generally tied to a big life event like a marriage or birth of a baby. Aside from that, you can consider a short-term health plan, off-exchange plan (some private insurers sell policies outside of open enrollment), limited benefits plans or another alternative to traditional insurance. You can find out more about these plans here.

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