If paying out of pocket, injecting testosterone is the least cost.
I get 10ml of test cypionate [Watson’s] at Sam’s Club with a business membership. That is 200mg/ml. At 100mg/week, that is twenty weeks. Needles are cheap. Costco did have similar cost structures once - no special membership needed. Test cyp [Same brand etc] at a typical pharmacy will be $100 - $110.
Self injections are not bad, so many do it, you have no excuse.
Are you tested for estrogen or treated to control your estrogen levels. This has huge importance. If you have not been controlling your E2 levels, your TRT benefits could be vastly improved.
Post your most recent lab numbers and ranges.
With injected T, there is no doubt about what T is in your system. With transdermals, the results are not predictable.
You can get blood work done by LEF.org - see if your doctor has an issue with that. Doctors, clinic and hospitals can easily charge 2 or 2 3 times more. LEF.org has a blood work sale for members in April and May, extended to June 9th this year. All the testing that you need for $198. And you can order more than one test at those prices for work up to 6 months out. If you go past 6 months, call and they will renew it for you.
Small business or self employed; get a high deductibility insurance and add an HSA to pay for med things with income tax free dollars.
I assume that you are not using hCG, there would be no point starting it now.