π If you were born after 1989: You probably have had 2 doses of MMR unless your access to health care has been sporadic, especially in childhood. A booster is less urgent, but you may want to get your blood work done to see if you're still immune.
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People vaccinated before 1968 got the first version of MMR, which was an inactivated-virus vaccine that is less effective over time and wears off people more often. You still may be a little protected, but it's not guaranteed. Just get a booster.
A second dose of MMR was added to the schedule in 1987 for 2-year-olds, and people who were older than 2 may not have gotten that second dose, especially if you never went to college. The second dose adds a very critical few percentage points of vaccine effectiveness (VE).
Colleges knew a lot of people born before 1989 didn't get both MMR doses, so many started requiring proof of 2 doses. A lot of GenXers got their second MMR at 18 for college, but not every college required it. Don't count on hazy memory! Get titers or a booster.
There is a very tiny risk to every vaccine, but that risk is very small for the MMR and the risk of measles in an outbreak (like now) is much worse. If you were born 1957-1989, I would get the booster. (con't)
The ACA does require insurance to pay for vaccines that are on the schedule, and an adult MMR booster is on the schedule "if indicated" (the "indicated") is the age flowchart above). Some insurance will only cover vaccinations given at an actual doctor's office.
People born in 89 would be 2 in 91 - well after the 2nd dose was added to the schedule.
Context: the "sporadic" healthcare mentioned above + missing records.
My mom wasn't antivax but she was a bit of a hippie who moved around a lot, so I suspect it's pretty likely I fell thru the cracks.