Best HSA/FSA-Eligible Semaglutide Providers in 2026 — Ranked & Reviewed

Every seller below names a Health Savings Account or Flexible Spending Account somewhere in its published features, either as a card it takes at checkout or as an itemized receipt you submit later. That is the filter, and it is a weak one, because the seller's own wording is all it reads. Whether your particular card clears, and whether your administrator wants paperwork first, is settled between you and the plan.

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By Ruth Calder · Enforcement Editor
Editorially reviewed (not clinically reviewed). Not medical advice · How we verify contentLast reviewed

64 semaglutide providers compared · independently scored against our six-factor methodology.

Price and states served both move. Read them off the seller's own site before you enroll.How our reviews work →

Methodology & sources

Each provider here carries a score from our published six-factor rubric[1], and the list is then cut down to the criteria named in the page title.

Published Phase 3 efficacy for semaglutide 2.4 mg (~14.9% mean weight loss over 68 weeks) comes from the STEP 1 trial[2]. The SURMOUNT-5 head-to-head published in 2025 directly compared tirzepatide and semaglutide[3].

Under IRS Publication 502, a valid prescription generally makes both compounded and brand-name GLP-1s FSA/HSA eligible[4]. How far state Medicaid goes on anti-obesity medications differs sharply from one state to the next[5][6].

Quick Picks: Top 5

#ProviderScore
1LttlVisit
2HealthRXVisit
3NextMedsVisit
4PeptiVisit
5Cora HealthVisit

Detailed Reviews

1

Lttl

Verified partner

Best for: starting below a standard dose, with microdose tiers

8.0

Prepay for 12 months and compounded semaglutide drops to $129 with tirzepatide at $199; taken month to month they run $199/mo and $279/mo, one flat rate at any dose. Before checkout the entire price matrix is on view, every commitment length, form and medication in it. Longevity peptides and a microdose line at low dose fill out the direct-to-consumer catalog. The name is said aloud as little.

Score Breakdown

Value25%
8.7
Effectiveness25%
10
User Experience15%
8
Trust & Safety15%
6.5
Accessibility10%
5
Support10%
7
2

HealthRX

Verified partner

Best for: compounded semaglutide at $133/month

7.7

Three things are missing from the site: the name of the pharmacy doing the compounding, the roster of states where prescriptions are written, and any medical director. What is there is a LegitScript certificate, number 50087439, and the FDA's compounded-drug disclaimer. Prices hold steady whatever your dose, insurance plays no part, and overnight cold shipping costs nothing extra. A clinician licensed in the US turns around the brief online assessment inside 24 hours; if the answer is yes, a 503A compounder holding a license sends the semaglutide or tirzepatide within 24-48 hours.

Score Breakdown

Value25%
7.4
Effectiveness25%
10
User Experience15%
8
Trust & Safety15%
6.5
Accessibility10%
5
Support10%
7
3

NextMeds

Best for: semaglutide at $79/month, 59% below the typical price

9.2

Membership is a single flat monthly charge, and inside it sit free shipping, a registered dietitian holding a license, a care coach working 1:1, telehealth visits and the drug itself where one is prescribed. Insurance is not billed. A free assessment online goes to a licensed provider, who adds a phone or video consult in states that demand one, then prescribes if it fits. Compounding pharmacies within the Next Meds network, all licensed, ship. Auto-renewal does not exist, cancellation is open, and all 50 states can order compounded tirzepatide and semaglutide.

Score Breakdown

Value25%
10
Effectiveness25%
10
User Experience15%
8
Trust & Safety15%
7.5
Accessibility10%
10
Support10%
8.5
4

Pepti

Best for: bloodwork inside the $99/month rather than billed on top

9.0

One flat charge holds regardless of dose: $99 a month for injectable semaglutide, $199 for tirzepatide, each figure covering shipping, refill management, baseline labs, physician review and the drug itself. Registered in Delaware, the platform reaches 36 states with doctor-prescribed compounded peptides and GLP-1s, and its catalog passes 120 products spanning skin, cognitive, recovery, TRT and hormone, and weight-loss categories, bloodwork at home included. Insurance is not billed. Pepti prescribes nothing itself; it is the platform.

Score Breakdown

Value25%
9.5
Effectiveness25%
10
User Experience15%
8
Trust & Safety15%
8.5
Accessibility10%
7.8
Support10%
8.5
5

Cora Health

Best for: semaglutide at $99/month, 49% below the typical price

8.9

Cora Health prices each tier flat, so a dose increase brings no surcharge: compounded semaglutide $99-$175/mo, tirzepatide $135-$225/mo. Commit for a year and semaglutide falls to $99/mo. Membership costs nothing, HSA/FSA is accepted, and this direct-to-consumer platform reaches all 50 states. It publishes its 503A pharmacy partners, VialsRx and PCAB-accredited Hallandale Pharmacy, which is unusual for the segment, and holds LegitScript Certification (ID 49690100).

Score Breakdown

Value25%
9.5
Effectiveness25%
10
User Experience15%
8
Trust & Safety15%
7.5
Accessibility10%
10
Support10%
7
6

AskRx

Best for: coverage in all 50 states, which most sellers will not confirm

8.8

The subscription buys a physician, not a drug: $99-149/mo, with medication invoiced separately. AskRx never dispenses, compounds or sells anything; it routes the script to a manufacturer pharmacy, NovoCare or LillyDirect, whichever the patient picks. Its board-certified physicians write nothing compounded, only FDA-approved brand-name GLP-1s: Zepbound (tirzepatide), plus the Wegovy pen and pill (semaglutide). LegitScript approval and HIPAA compliance are claimed across all 50 states, and the subscription may qualify for HSA/FSA.

Score Breakdown

Value25%
10
Effectiveness25%
10
User Experience15%
8
Trust & Safety15%
7.5
Accessibility10%
10
Support10%
5
7

Science & Co

Best for: flat any-dose compounded semaglutide or tirzepatide, if you can prepay a 12-month plan

8.4

Science & Co is a telehealth platform run by Science and Co, Inc., a Delaware corporation with a Miami mailing address, selling compounded semaglutide and tirzepatide prescribed by an affiliated provider group. The price stays the same at every dose. Plans are advertised from $79/mo for semaglutide and $125/mo for tirzepatide, both on the 12-month plan, which the site says is paid upfront; the month-to-month price is not shown on its public pages.

Score Breakdown

Value25%
10
Effectiveness25%
10
User Experience15%
8
Trust & Safety15%
6.5
Accessibility10%
5
Support10%
7
8

Trellis Vitality

Best for: knowing which pharmacy fills the vial: it names VialsRX

8.4

$150 a month opens compounded semaglutide and $199 compounded tirzepatide, identical at every dose, with no consult fee or membership stacked on top. Scale weight is not the frame; body composition is, which is why biomarker panels taken at home, a re-test at 90 days, and muscle-sparing choices such as glycine formulations and tesamorelin come with the GLP-1s. Trellis does the coordinating only: VialsRX in Houston dispenses and the Arora Health provider network prescribes.

Score Breakdown

Value25%
6.6
Effectiveness25%
10
User Experience15%
8
Trust & Safety15%
9
Accessibility10%
10
Support10%
7
9

Trinity Meds

Best for: compounded semaglutide at $149/month

8.4

Trinity Meds charges an all-inclusive flat rate of $149/month for compounded semaglutide and $199/month for tirzepatide, the same price at every dose, with free shipping and no insurance; multi-month plans drop the price further. The program is aimed at military women, spouses and veterans. You take a short online assessment and a CareValidate Health clinician reviews eligibility and prescribes if appropriate. The named entity is Trinity Meds Inc, but it publishes no terms page, names no pharmacies, and lists no states.

Score Breakdown

Value25%
6.6
Effectiveness25%
10
User Experience15%
8
Trust & Safety15%
9
Accessibility10%
10
Support10%
7
10

CoraDoc

Best for: semaglutide at $99/month, 48% below the typical price

8.3

Semaglutide runs $99/mo and tirzepatide $165/mo at CoraDoc, flat, with no subscription and a doctor writing each GLP-1 script. What it brands the 'Triple Free Promise' covers the provider visit, 2-day delivery and supplies, and being turned down triggers a full refund. Payment can go on HSA/FSA cards or through Afterpay, Klarna and Affirm. Reach is all 50 states. Everything dispensed is compounded. A complete set of legal pages is posted, and the site says it is LegitScript Certified. Neither the compounding pharmacy nor the legal entity is identified.

Score Breakdown

Value25%
9.5
Effectiveness25%
10
User Experience15%
8
Trust & Safety15%
6.5
Accessibility10%
5
Support10%
7
11

Telos Rx

Best for: starting below a standard dose, with microdose tiers

8.3

Read the $49 headline at Telos Rx carefully: it is a first-month intro rate and the standing cost sits above it. Superior Health Solutions LLC operates the platform, which sells GLP-1 weight loss beside longevity, recovery and sexual-health peptides. Compounded semaglutide and tirzepatide come as injections, or as needle-free sublinguals, with a microdosed tirzepatide too. Providers adjust doses, labs are monitored, delivery is free and discreet, FSA/HSA works and canceling is open. Compounded drugs are not FDA-approved. No pharmacy, no state list, no LegitScript.

Score Breakdown

Value25%
9.5
Effectiveness25%
10
User Experience15%
8
Trust & Safety15%
6.5
Accessibility10%
5
Support10%
7
12

Rivo Health

Best for: an oral route if you will not self-inject

8.2

Semaglutide begins around $149/mo, tirzepatide around $199/mo, both compounded GLP-1, available as injections or orally, with 3- and 6-month terms cutting deeper. By its own account Rivo has 115,000+ members and a Trustpilot score of 4.7. What comes attached to the drug is unusual: dietitians, live workouts, support groups, mental-health coaching, and an insurance concierge whose job is squeezing more out of your coverage. FSA/HSA money is eligible. ED, longevity through NAD+ and sermorelin, sleep, hair and skin fill the rest of the catalog. Its partner compounding pharmacies go unnamed.

Score Breakdown

Value25%
6.6
Effectiveness25%
10
User Experience15%
8
Trust & Safety15%
7.5
Accessibility10%
10
Support10%
7
13

Factor Health MD

Best for: tirzepatide at $149/month, 44% below the typical price

8.0

GLP-1 therapy opens at $99/mo, and HSA/FSA cards are accepted. Three molecules is more than most carry: compounded semaglutide, compounded tirzepatide and liraglutide, which is rarely offered anywhere. Factor Health MD operates from Florida across several verticals, adding longevity products, vitamin injectables and men's health. The three-drug menu comes with a promise that all doses are included and no escalation applies as the dose climbs.

Score Breakdown

Value25%
8.7
Effectiveness25%
10
User Experience15%
8
Trust & Safety15%
6.5
Accessibility10%
5
Support10%
7
14

Pallas Health

Best for: knowing which pharmacy fills the vial: it names Belmar Pharmacy

8.0

$199 and $299 a month are the averages on the compounded plans, with messaging, check-ins and provider care folded in, no membership charged on the side, and the figure unchanged at every dose. Mounjaro, Zepbound, Ozempic and Wegovy sell under their brand names next to compounded tirzepatide and semaglutide. Brentmoor, Inc. is the operator. Disclosure is unusually thorough here: NPIs you can verify against two named advising physicians, Lion MD as clinical partner, six pharmacy partners named, and all 50 states plus DC covered.

Score Breakdown

Value25%
4.5
Effectiveness25%
10
User Experience15%
8
Trust & Safety15%
10
Accessibility10%
10
Support10%
7
15

Medsol RX

Best for: coaching inside the $209/month rather than sold separately

7.9

Compounded GLP-1 semaglutide opens at $209/mo with Medsol RX, with tirzepatide also stocked. Board-certified clinicians working through OpenLoop write the scripts, and orders go out across the country. What the plan buys beyond the drug is a dedicated care coach, a treatment plan built for you and medical oversight. HSA/FSA money qualifies, Klarna handles financing, and terms run month-to-month or across 3, 6 or 12 months. Microdosing and wellness add-ons are available.

Score Breakdown

Value25%
5
Effectiveness25%
10
User Experience15%
8
Trust & Safety15%
7.5
Accessibility10%
10
Support10%
8.5
16

Mint Med

Best for: semaglutide at $117/month, 40% below the typical price

7.9

The price is $159/mo in 36 states, flat across all doses, so patients do not hit the per-tier escalation common as they titrate up; a promo code, 175NOW, cuts the first six weeks to $175. Mint Med is a national compounded-GLP-1 telehealth platform with no membership, selling semaglutide and tirzepatide. Patients can cancel anytime on 48 hours' notice, it is HSA/FSA eligible, and it is LegitScript Certified. Mint Medical Clinic, which is Utah-only, is a different company.

Score Breakdown

Value25%
8.3
Effectiveness25%
10
User Experience15%
8
Trust & Safety15%
5.5
Accessibility10%
7.8
Support10%
5
17

TRYM Health

Best for: semaglutide at $96/month, 53% below the typical price

7.9

TRYM quotes its compounded GLP-1 by the day as well as the month: roughly $96/mo for compounded semaglutide, which it puts at $3.20/day, and roughly $126/mo for compounded tirzepatide, at $4.20/day. The vials are multi-dose and additive-free, covering every dose, and arrive with a starter kit under temperature-controlled shipping. FSA/HSA money qualifies and canceling is flexible. Coverage extends to all 50 states. TRYM Health, Inc. operates it. Partner pharmacies compound but are not named, and no LegitScript certification is displayed.

Score Breakdown

Value25%
9.9
Effectiveness25%
10
User Experience15%
8
Trust & Safety15%
3.5
Accessibility10%
5
Support10%
7
18

EdgeRx

Best for: knowing which pharmacy fills the vial: it names Strive Pharmacy

7.8

Nothing can be bought yet. Prices and descriptions for both GLP-1 injections are up, but the protocols sit behind a waitlist and checkout has not opened for any of them. Strive Pharmacy, the sole 503A compounder named, makes the Tirzepatide and Semaglutide shots, each formulated with B12 and glycine to preserve muscle. Sexual health, hair, cognition and recovery form four further outcome categories at EdgeRx Health, LLC. Physician review is priced in, payment is cash, and Truemed carries HSA/FSA.

Score Breakdown

Value25%
3.7
Effectiveness25%
10
User Experience15%
8
Trust & Safety15%
10
Accessibility10%
9.4
Support10%
7
19

Fifty 410

Best for: semaglutide at $99/month, 50% below the typical price

7.8

Pricing is public and transparent: compounded semaglutide from 99 dollars a month, a tirzepatide starter at 133 dollars a month, and a high-dose tier above those. There is no membership; billing is pay-as-you-go. Shipping is free and lands in one to two days, after a provider review that takes 24 to 48 hours. Licensed providers prescribe the personalized medication and FDA-registered 503A and 503B pharmacies prepare it. Fifty 410 is cash-pay only and bills no insurance directly, but takes Affirm, Afterpay and FSA/HSA.

Score Breakdown

Value25%
9.6
Effectiveness25%
10
User Experience15%
8
Trust & Safety15%
3.5
Accessibility10%
5
Support10%
7
20

Auren Rx

Best for: knowing which pharmacy fills the vial: it names VialsRX

7.5

The standing rate is $259 a month on auto-refill for compounded semaglutide and tirzepatide, with a low-dose microdose GLP-1 track at $129, plus NAD+, sermorelin, glutathione, GHK-Cu, tretinoin and oral minoxidil. Auren Rx identifies who provides the care in unusual detail: the physician group Wasef Health PC under Michael Wasef MD, and the Houston compounding pharmacy VialsRX, each listed with an address and phone number. The first online visit costs nothing, and no membership fee is charged until a physician has reviewed you and you decide to proceed. The brand is registered in New York.

Score Breakdown

Value25%
3
Effectiveness25%
10
User Experience15%
8
Trust & Safety15%
9
Accessibility10%
10
Support10%
7
21

Curve

Best for: knowing which pharmacy fills the vial: it names VialsRx

7.5

Commit longer and pay less: semaglutide spans $99-$175/mo and tirzepatide $135-$225/mo, dose making no difference, and each tier absorbs expedited shipping at no cost, the drug, the prescription and the consultation, with membership charged to nobody. Try Curve LLC leans on providers from Beluga Health, licensed everywhere in the 50 states, and on a 503A compounder in the US, VialsRx. A questionnaire replaces the video visit, reviewed by a provider within 24 hours. HSA/FSA is welcome; insurance isn't accepted. LegitScript-certified.

Score Breakdown

Value25%
5.8
Effectiveness25%
10
User Experience15%
5
Trust & Safety15%
7.5
Accessibility10%
10
Support10%
7
22

Intimate Rose

Best for: semaglutide at $169/month, 37% below the typical price

7.4

169 dollars per month is the published floor for oral compounded tirzepatide or semaglutide, taking in delivery at no charge and the drug, with continuing provider support and neither contract nor membership attached; the weight-loss page states this openly. Long established in pelvic and women's health, the brand added this online weight-management program later. Compounding pharmacies and licensed providers in the OpenLoop Health network handle fulfillment and clinical work. Payment is cash only, and FSA and HSA both qualify. FDA approval does not extend to compounded GLP-1s.

Score Breakdown

Value25%
7.8
Effectiveness25%
10
User Experience15%
8
Trust & Safety15%
3.5
Accessibility10%
5
Support10%
7
23

Nova MD

Best for: semaglutide at $125/month, 34% below the typical price

7.4

Four GLP-1 prices are all posted where anyone can read them. On the 3-month plan compounded semaglutide falls to $125/month and tirzepatide to $199/month, and a first tirzepatide order takes $50 off. Plans come in one-month and three-month lengths. Both molecules have a stated microdose program, which is unusual. Sermorelin, NAD+, glutathione and enclomiphene are also listed.

Score Breakdown

Value25%
7.8
Effectiveness25%
10
User Experience15%
8
Trust & Safety15%
3.5
Accessibility10%
5
Support10%
7
24

PreventiveMD

Best for: oral orforglipron alongside the injectables

7.4

All-in figures start at $83/mo for compounded semaglutide and $97/mo for compounded tirzepatide. Foundayo, Zepbound and Wegovy come as brands under a membership arrangement. Requests reach a US-licensed provider inside 24 hours, and once approved the drug is sent to your door with care continuing through a portal online. Peptide therapy shares the platform with the GLP-1 side, all physician-guided.

Score Breakdown

Value25%
5
Effectiveness25%
10
User Experience15%
8
Trust & Safety15%
7.5
Accessibility10%
7.8
Support10%
5.5
25

SurpassMD

Best for: coverage in all 50 states, which most sellers will not confirm

7.3

For patients who qualify, the floor is $124/month on semaglutide and $184/month on tirzepatide. Payment is cash only, with Klarna-style financing and HSA/FSA both accepted. Life Vitality LLC runs the site, putting patients in touch with independent providers who hold licenses; the compounded drug then leaves a 503A pharmacy under cold chain. Consent and clinical intake are handled on the telehealth platform belonging to OpenLoop.

Score Breakdown

Value25%
3
Effectiveness25%
10
User Experience15%
8
Trust & Safety15%
8.5
Accessibility10%
10
Support10%
5.5

Frequently Asked Questions

Generally yes, when a clinician prescribes it for a diagnosed condition such as type 2 diabetes or obesity. Some administrators release the funds only after a Letter of Medical Necessity from your prescriber. Your plan administrator decides that, not the seller and not us, so confirm it before you pay expecting reimbursement.
Sources & methodology — as of September 2026
  1. 1.GLP Watchdog — GLP-1 Pricing Index 2026 (our independent dataset)— GLP Watchdog.
  2. 2.STEP 1 Trial — Once-Weekly Semaglutide in Adults with Overweight or Obesity (Wilding JPH et al.)— New England Journal of Medicine.PMID: 33567185.
  3. 3.SURMOUNT-5 Trial — Tirzepatide vs. Semaglutide Head-to-Head in Obesity (Garvey WT et al.)— New England Journal of Medicine.PMID: 40334173.
  4. 4.IRS Publication 502 — Medical and Dental Expenses (HSA/FSA eligibility)— Internal Revenue Service.
  5. 5.KFF — Medicaid coverage research (anti-obesity & GLP-1 drug policy)— Kaiser Family Foundation.
  6. 6.CMS — Medicaid prescription drug coverage policy (state-by-state)— Centers for Medicare & Medicaid Services.