As COVID-19 continues to circulate, questions remain about how to protect yourself in 2025. Should you get the COVID-19 vaccine? Will the shots be available at your local pharmacy? Will insurance cover it? The answers are complicated.

The confusion stems from shifting federal vaccine recommendations, clashing guidance from medical groups, and the uncertainty of how doctors, pharmacies, insurance companies, and everyday people will navigate it all.

On Aug. 27, the U.S. Food and Drug Administration (FDA) authorized updated COVID-19 shots—but said the vaccines were only approved for people ages 65 and older, as well as adults and children over 6 months who have risk factors for developing severe COVID-19. The FDA announcement follows a decision in May by the U.S. Centers for Disease C

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