Absolutely a correct take, I'd say. I know that my insurance would cover it but this is the first time that I've EVER had insurance that would touch anything related to fertility (beyond female birth control) with a 10ft pole. I'd say that it's fair to say that the average person in the US does not have access, mainly due to the awful level of "normal" for healthcare accessibility.

I've looked into it recently, myself. I wanted to see if the snip was an option due to how hormonal birth control impacts by wife. With the desire to still have kids at some point, it's not a sure enough thing currently and is not recommended for people like me ("if you're looking into reversibility, it's probably not for you"). When I last looked a decade ago, success rates were topping out around 60-70%. Advances in surgical technique and technology have really improved things though. If only something like vasalgel would actually see availability - I'm not confident though, after two decades of failure.