Most Americans do not have insurance coverage for hearing aids, and many who do have it, find it only covers a portion of the cost. No point waiting until age 65: hearing aids are generally not covered in Medicare. It can be covered in paid Medicare Advantage plans, but again, it’s often just a discount from list prices and restricted to certain providers, and many have posted complaints here about the value of Medicare Advantage benefits when it comes to hearing aids. (I’m not a fan of Medicare Advantage, period. It’s so heavily advertised because it’s extremely profitable for the companies selling it, and it doesn’t generally get you access to the best providers of health care.)
If you live near Colchester VT, try the Costco there instead, if minimizing cost is important. Costco doesn’t generally work with insurance companies but often sells equivalent aids for less than you’d pay after any discount if you did have insurance coverage for them.
Oh, and military veterans with service-related hearing loss can get hearing aids through the VA. Start there if you’re eligible.