You can buy it online, but you will need a prescription. But, be wary of where you buy it from, the best thing is to just get a prescription from your dermatologist so that you know what your getting is legit.
Health insurance wouldnt cover it even if you had it. I am a college student and I still find a way to come up with the cash. Just get a prescription for proscar. Yeah I thought it kind of sucked that I had to pay a dermatologist $150 just so I could get a prescription, if that is what your talking about.