COVID-19
Most COVID-19 illness is handled at home with a test, rest, and fluids, and the cost is small. People at higher risk may be prescribed an oral antiviral within the first few days, which changes the odds of getting seriously ill. A minority need emergency or hospital care for breathing trouble, and some people have fatigue, brain fog, or breathlessness that lasts for months - those follow-up visits and lost work hours usually cost far more than the original infection.
Your estimated share across the whole care timeline - not the full medical bill.
Cumulative modeled impact to you over five years
$5,995-$76,280
Your estimated healthcare out-of-pocket plus the costs beyond your medical bills. Total medical spending is intentionally left out of this number - most of it is paid by insurers or other payers, not by you.
Testing & First Evaluation
Days 0-3A home antigen test or a clinic PCR confirms the infection. A short telehealth or office visit sorts out risk factors and whether antiviral treatment makes sense.
Five-year total treatment: Included once in the five-year total
You could pay
$15-$200
Your care may look different. These estimates represent common care patterns based on available public data - not a prediction of your care or a quote for your bill.