I've got a family of 4. I'm fully expecting this to eventually settle into boosters every 6 months. I'm looking at this as an annual cost of $130 * 4 * 2 = $1040. That's not insignificant for most people who don't have health insurance.

All of that said, health insurance is required to cover this, so in the end that $130 figure is just a starting point for negotiations with the insurance companies. They'll negotiate some lower number, it gets factored into insurance rates. And ultimately regularly vaccinating people is going to be a lot cheaper than not vaccinating people and paying for more hospital visits. So in the end we wind up with insurance rates that are higher than 2019 levels but lower than they'd be without the vaccines. And people without insurance are screwed.