Paxlovid alone is ~$2k out of pocket, plus missed work, plus testing (which often requires multiple), plus doctor visit, plus symptomatic relief items.  Even with insurance & "mild" acute illness, a week off work + copays + otc meds can easily top a few grand.  And if one gets Long Covid - total loss of income + $3400/month off label antiviral could be in their cards.  Thats where I am ....