Government programs like Medicare and Medicaid are also covering the test, which isn’t that expensive; Medicare is paying anywhere from $36 to $51 for the actual test.

People without insurance, or those enrolled in so-called junk plans that don’t meet the standards for insurance under the Affordable Care Act, should also be able to get tested at no cost, said Karen Pollitz, a senior fellow at the Kaiser Family Foundation, which recently released an issue brief on private insurance coverage of the coronavirus.

But could I still end up with bills to pay?

It’s possible, especially if you go somewhere outside your health plan’s network or undergo unrelated tests. “There are still questions about the battery of testing people may receive and out-of-network testing,” said Cheryl Fish-Parcham, the director of access initiatives at Families USA, a consumer advocacy group.

You could also face sizable out-of-pocket costs if you have something that looks like the coronavirus, like the garden-variety flu, but isn’t. While New Mexico is requiring insurers to cover testing for flu and pneumonia, so far it’s an exception.

What if I need hospital care?

On Sunday, President Trump praised two of the nation’s largest health insurers, Cigna and Humana, for agreeing to waive out-of-pocket costs for treatment in some of their plans.

Two other major insurers, CVS Health’s Aetna and UnitedHealth Group, have also said they would cover their customers’ treatment costs.

Other insurers are following suit: Florida Blue, the state’s big Blue Cross plan, is waiving cost sharing for some of its plans, including its Obamacare policies. Harvard Pilgrim, which insures people in Massachusetts, New Hampshire, Connecticut and Maine, is also eliminating out-of-pocket costs for Covid-19 treatment.