Something I've learned about needing expensive medications is that sometimes you can go to the manufacturer's website and get a (virtual) savings card that reduces what your insurance doesn't cover to $0. Of course this isn't always available, and some manufacturers won't do it for people who are uninsured or on medicare, but it's worth looking into.
One of the medications I take is around $850 retail, and because it's a specialty (ie expensive) medication, my insurance will only cover 50%. You can get a coupon on goodRX, but that just reduces the retail price to $725. If you go to the manufacturer's website, they will cover the other half if you have a commercial insurance plan, though.
It's basically an evil little game they like to play to see how much money they can extract from your insurance before they admit that they don't need to be charging anywhere near what they are.
Paxlovid is one that you can get for free regardless of your insurance status/type of insurance, at least through the end of this year. Hopefully it'll be available again next year.
With my other $850 medication it said the savings coupon was for up to 12 months, but all that actually means is that you have to get a new card at the end of each calendar year.
The more we learn about long covid, the more strongly I feel about getting paxlovid if you can, as it's supposed to help minimize the chances of long term effects (as well as hospitalization or death).