Nobody tests it for you — here's the minimum a private well owner should do.
Test every year for total coliform bacteria, nitrates, and pH through a state-certified lab. A basic panel costs roughly $25–$100. Test immediately — not annually — after floods, nearby construction or fracking, a new baby or pregnancy in the house, or any change in taste, odor, or color.
A broader panel: lead, arsenic, manganese, iron, hardness, total dissolved solids, and (regionally) radon or uranium. Comprehensive panels run $100–$400+. Worth it at purchase and every 3–5 years after.
Fix the source first (well cap, casing, grading away from the wellhead, distance from the septic field). Then treat: sediment filters for particulates, softeners for hardness, reverse osmosis or distillation for nitrates/metals, UV for bacteria. Buy treatment for a confirmed problem, not a feared one — test first.