I've been on trt for more than 3 years without insurance. Testosterone, Adex (for E2 control), hcg including pins and needles are actually all very affordable. As typical trt dose weekly is in the 100mg - 200mg range. It should not cost more than $100 per month including dr visit averaged over 3 months (will cost more the 1st month of course as you pay for things up front). All I can say its well worth it.
Now, when you start include hgh or start cycling thats where costs raise sharply. Stick to trt and you'll be fine.
I went through a clinic and its crazy expensive. I paid for the stickers that have my name on them. Now Im just going to run ugl products to save money