Group insurers must cover at-home COVID test in full as of January 15, 2022 (as of the time of this writing). They must cover vaccinations at no cost to you if insured via an Affordable Care Act health plan (this does not include Medical Sharing Programs, Short Term Health Insurance, etc.) You should take the following steps for the next several months to get these tests covered:
Eventually I think the test may be covered at the point of sale from a pharmacy, but that is going to require a lot of point of sale / techy things to happen which probably won’t be done until the 2nd half of 2022 at the earliest.