Access is not that good. I've got decent insurance and a great primary care doc. I have a long list of indications for taking a GLP-1 but the insurance is fixated on A1C. He says he's had trouble getting the drugs paid for by insurance and pointed me to a specialized clinic with an 8 month wait to get an appointment. My last A1C was barely high enough to qualify, I'm expecting my next one to be better and I might not qualify but who knows, the rules might change by then or that specialist clinic might be able to talk up everything else on my chart.
You can get Semaglutide or Tirzepatide for really cheap (think ~30$/month) if you buy it from a "research peptide" supplier. The biggest challenge is finding a trustworthy supplier.