Will you get a COVID-19 vaccine ? That has become a complicated question for many people.

The answer may depend on your age, insurance coverage, health and finding a health care professional who will give you the shot.

A once-straightforward seasonal vaccine process has become muddled this year because of new federal guidance on who the shots are approved for. It raises questions about whether pharmacists will provide the shots and if insurers will cover them.

The U.S. Food and Drug Administration has OK'd new shots from Pfizer, Moderna and Novavax, but the approvals came with some new caveats. And it's not clear yet how that will play out.

What has changed?

The shots were approved for people who are 65 and older and those who are younger and have a health condition that makes th

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