TRT does not have to be expensive, if you have insurance. I pay $10 copay for a vial of testosterone which should last me ten weeks, and a $20 copay for my urologist. Without insurance, you can find a coupon to take the cost under $50 a vial for testosterone and 50-60 bucks for the lab tests (all in). By the way, going through a 10ml vial of testosterone in 10 weeks is the maximum dose most legit urologists would prescribe, and most will prescribe less.
On the other hand, you can see an aging specialist and pay out of pocket, and who prescribes all sorts of goodies which make you feel even better and keeps you good looking. That costs a lot to do legally. I remember looking at an ad in an airline magazine featuring a 70 year old with a six pack, and thinking 'dude, whatever it takes, it's not gonna be me with a walker at 70.'
The insurance companies will pay for TRT, but not the really excellent cutting edge anti-aging stuff. That, you will have to either pay out of pocket or piece together from the underground (which is another topic altogether, although easy enough to do)