This document discusses several questions regarding health insurance coverage of flu shots. It finds that large insurers in some states will cover costs for the H1N1 flu vaccine, as the government is paying for the vaccine this year. Coverage of seasonal flu shots varies by employer and insurance plan. If insurance does not cover flu shots, free options may be available through local public health clinics. In 2003, about 32% of adults received a flu shot. The document provides additional resources on the H1N1 flu and pandemic preparations.