Same point when you'd go to the hospital for any other illness - when you feel that your symptoms are dangerous and/or life-threatening.
How bad do we let things get before going to hospital? I have a sore throat, headache, and a dry cough and my husband has the same + congestion and a little SOB. Both of us feel okay enough right now but I want to be prepared. Hes also traveling for work (non shut down state and he works alone so no exposing others), and Im trying to keep close tabs on him.