I don't know specifically about cholesterol but I make a point (as a 40+yo) to get an annual physical and associated tests.

I think based on Obamacare, this is actually copay free for most/all insurance plans. Cholesterol screening is included [1].

I strongly recommend everyone to take advantage of the free preventative care (until Trump/GOP kills it)

[1] http://obamacarefacts.com/questions/exactly-covered-preventa...