Many insurance plans cover STI testing through the Affordable Care Act (ACA). There's a high chance you can get STI testing for free or at a reduced price with your health insurance.
Testing for STIs, like HIV, syphilis, chlamydia, and gonorrhea, are considered preventive health benefits that many plans cover under the ACA.
STI testing can also be free or low-cost with Medicaid, Medicare, and other government programs. Check your state as well; they may have free or low-cost STI testing available.
The coverage of at-home STI tests varies, so it’s best to speak with your doctor or insurance company about your options. Some clinics, like Planned Parenthood health centers, provide free or low-cost STI tests, depending on your income.