Best HSA/FSA-Eligible Semaglutide Providers in 2026: Ranked and 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 medical advice · How we verify contentLast reviewed

123 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

Starting price per provider. Prices in USD per month; checked November 2026.
#ProviderScore
1EmbodyVisit
2CollectiveVisit
3LttlVisit
4EdenVisit
5HealthRXVisit

Detailed Reviews

1

Embody

Verified partner

Best for: a flat compounded tirzepatide or semaglutide price at every dose, from a seller that names its pharmacies

9.3

Embody is the brand Modern Metabolic Medicine, Inc. runs through its JoinEm storefront. It sells compounded semaglutide and tirzepatide injections at one price per drug at every dose, $79 and $129 for a one-month supply, plus a compounded oral tirzepatide gum. You pay at checkout, before an OpenLoop Health clinician decides on a prescription, and payments are final.

Score Breakdown

Value25%
10
Effectiveness25%
10
User Experience15%
8
Trust & Safety15%
9
Accessibility10%
10
Support10%
7
2

Collective

Verified partner

Best for: flat any-dose pricing, if you can absorb a $199 annual membership on top

9.1

Health For Everyone Inc., trading as CollectiveOS, sells compounded semaglutide at $59/mo and compounded tirzepatide at $69/mo on a membership model, with a mandatory $199 annual membership on top that the headline price does not include. It prices every dose the same, so the cost does not climb as the dose is titrated, and it does not require prepaying for medication. The site is marketed as being from the founder of Thrive Market. Neither its pharmacies nor its medical groups are named.

Score Breakdown

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

Lttl

Verified partner

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

9.0

Lttl sells compounded semaglutide at $99 a month and tirzepatide at $149 a month on its month-to-month plan, one flat price at any dose. Prepaying for 12 months lowers those to $89 and $139. Every price and commitment length is on a public plans page before checkout. A microdose line at $149 a month and longevity peptides fill out the catalog.

Score Breakdown

Value25%
10
Effectiveness25%
10
User Experience15%
8
Trust & Safety15%
7.5
Accessibility10%
10
Support10%
7
4

Eden

Verified partner

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

8.7

Eden sells compounded semaglutide and tirzepatide through its own pharmacy network and a contracted provider group. Its price pages promise the same charge at every dose and say there is no membership fee. Its own terms still describe a $39-then-$99 monthly membership with medication billed on top. Semaglutide is $99 a month and tirzepatide $129.

Score Breakdown

Value25%
10
Effectiveness25%
10
User Experience15%
8
Trust & Safety15%
4.5
Accessibility10%
10
Support10%
8.5
5

HealthRX

Verified partner

Best for: compounded semaglutide at $165/month after a $99 first month

8.2

HealthRX sells compounded semaglutide and tirzepatide with the clinician review, the medication and overnight shipping in one cash price. Semaglutide is $99 for the first month, then $165 a month; tirzepatide is $99, then $214. Prepaid plans bring the monthly figure down to $97 and $177, charged upfront. You pay before the intake, and a decline is refunded in full. The pharmacy and any medical director go unnamed.

Score Breakdown

Value25%
6.6
Effectiveness25%
10
User Experience15%
8
Trust & Safety15%
7.5
Accessibility10%
10
Support10%
7
6

AgelessRx

Verified partner

Best for: microdosed compounded GLP-1s from a longevity clinic, or brand Wegovy at manufacturer pricing plus monitoring

7.4

Brand-name Wegovy, compounded tirzepatide and compounded semaglutide are all sold here. AgelessRx is Ann Arbor, Michigan-based, a telehealth platform covering longevity and GLP-1 care, and it presents itself as longevity-first, treating GLP-1s as just one among several metabolic health offerings.

Score Breakdown

Value25%
6
Effectiveness25%
10
User Experience15%
8
Trust & Safety15%
6.5
Accessibility10%
5
Support10%
7
7

TrimRx

Verified partner

Best for: compounded semaglutide at $299/month after a $199 first month

6.4

TrimRx, based in San Diego, is a telehealth platform for compounded semaglutide and tirzepatide. Its fee holds as the dose rises and covers the consult, medication and shipping. Semaglutide is $299 a month after a $199 first month; tirzepatide is $399 after $349. It names no pharmacy and publishes no state list, and payment is taken before a clinician reviews the intake.

Score Breakdown

Value25%
2.2
Effectiveness25%
10
User Experience15%
8
Trust & Safety15%
6.5
Accessibility10%
5
Support10%
7
8

NextMeds

Best for: a flat membership price that does not rise as the dose goes up

9.3

NextMeds sells a flat monthly membership that bundles compounded semaglutide or tirzepatide with telehealth visits from OpenLoop Healthcare Partners and free shipping. A fall offer ending October 21 advertises starting prices of $49 and $119; month-to-month rates appear only after a health intake. Wegovy, Ozempic and Zepbound are now listed too. Every payment is final unless a provider medically disqualifies you.

Score Breakdown

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

Trinity Meds

Best for: a flat $99 monthly semaglutide price that does not rise with the dose

9.3

Trinity Meds prescribes compounded semaglutide at $99 a month and compounded tirzepatide at $149, each a weekly shot at one price at every dose, with shipping included and no insurance. The site sells these prices as a limited-time offer with a countdown and a struck-through $299, and says members who join during it keep the rate. Clinicians come from OpenLoop Healthcare Partners, and four named 503A pharmacies fill orders. Payments are final except after a medical disqualification.

Score Breakdown

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

PreventiveMD

Best for: oral orforglipron alongside the injectables

9.1

PreventiveMD sells compounded semaglutide and tirzepatide at one price per plan length, whatever the dose, with shipping and provider review included. Month to month, semaglutide is $119 and tirzepatide $139; the advertised $83 and $97 are 12-month plans paid up front. Brand Wegovy, Zepbound and Foundayo carry a $49 monthly membership, with the drug bought from the maker. A US-licensed provider reviews each request in writing within 24 to 48 hours, and it names its four compounding pharmacies.

Score Breakdown

Value25%
9.8
Effectiveness25%
10
User Experience15%
8
Trust & Safety15%
9
Accessibility10%
8.9
Support10%
7
11

TRYM Health

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

8.6

TRYM Health, Inc. sells compounded GLP-1 and GLP-1 + GIP in multi-dose vials that cover every dose, quoted from $3.20 a day (about $96 a month) and $4.20 a day (about $126 a month). Its sign-up page now says registrations are closed. The FDA sent TRYM a warning letter in September 2025 over false or misleading claims about its compounded semaglutide and tirzepatide. Pharmacies are not named.

Score Breakdown

Value25%
10
Effectiveness25%
10
User Experience15%
8
Trust & Safety15%
4.5
Accessibility10%
10
Support10%
7
12

Auren Rx

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

8.5

Auren Rx sells compounded semaglutide at $149 a month on auto-refill ($179 without commitment) and tirzepatide at $229 ($259), with microdose versions at $129 and $199, and also sells NAD+, sermorelin and skin and hair treatments. It names its physician group, Wasef Health PC under Michael Wasef MD, and its Houston pharmacy, VialsRX, and gives contact details for both. You pay nothing until a physician approves treatment and you choose to go ahead.

Score Breakdown

Value25%
7.1
Effectiveness25%
10
User Experience15%
8
Trust & Safety15%
9
Accessibility10%
10
Support10%
7
13

Blis MD

Best for: low starting-dose prices with no subscription

8.5

BlisMD is a Florida-based virtual clinic selling compounded semaglutide and tirzepatide one month at a time, priced by dose. Injectable semaglutide starts at $109 for the first month's vial and climbs to $189. Tirzepatide starts at $159 and climbs to $270. Three-month kits cost less. There are no doctor or subscription fees, shipping is free, and you are not charged unless approved. It lists 29 states it serves. Compounded medications do not carry FDA approval.

Score Breakdown

Value25%
9.3
Effectiveness25%
10
User Experience15%
8
Trust & Safety15%
7.5
Accessibility10%
6.6
Support10%
7
14

Livbetr

Best for: dose-flat compounded GLP-1 pricing with a coach, if you check the renewal cycle before paying

8.5

Livbetr is a cash-pay GLP-1 program that sells compounded semaglutide and tirzepatide at one price for every dose, with clinicians from the OpenLoop network and a 1:1 care coach. Its checkout lists the standard plan at $99 for semaglutide and $129 for tirzepatide, while the homepage advertises a lower sale price that checkout does not show. The refund policy says the short plan renews every 21 days rather than monthly, which means up to 18 charges in a year.

Score Breakdown

Value25%
10
Effectiveness25%
10
User Experience15%
8
Trust & Safety15%
6.5
Accessibility10%
5
Support10%
8.5
15

SurpassMD

Best for: a published price for every supply term, with no price rise as the dose climbs

8.5

SurpassMD, a brand of Life Vitality LLC, connects cash-pay patients with an independent medical group for compounded semaglutide, tirzepatide and oral semaglutide. Price depends on supply term, not dose: semaglutide is $219 a month on a 30-day plan and $143 on a 12-month term; tirzepatide is $309 and $222. Advertised $114 and $177 prices are first-subscription discounts. Service is claimed in every state plus DC.

Score Breakdown

Value25%
7.4
Effectiveness25%
10
User Experience15%
8
Trust & Safety15%
8.5
Accessibility10%
10
Support10%
7
16

Trellis Vitality

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

8.5

$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%
7.2
Effectiveness25%
10
User Experience15%
8
Trust & Safety15%
9
Accessibility10%
9.5
Support10%
7
17

EdgeRx

Best for: men who want a named pharmacy and a physician-titrated GLP-1 at one monthly price

8.4

EdgeRx Health sells men's prescription protocols by monthly subscription, including compounded semaglutide and tirzepatide made with glycine and B12 by Strive Pharmacy. Semaglutide costs $199 a month and tirzepatide $225, with physician review and shipping included. The card is charged at checkout, ahead of physician review, and refunded in full if not prescribed. HSA/FSA works through Truemed.

Score Breakdown

Value25%
6.3
Effectiveness25%
10
User Experience15%
8
Trust & Safety15%
10
Accessibility10%
9.5
Support10%
7
18

FeelGood

Best for: seeing what it charges before you answer any medical questions

8.4

FeelGood sells compounded semaglutide at $89 a month and compounded tirzepatide at $149 on its plan page. Dose changes do not move the price, and longer plans cost less. The homepage still quotes injections from $149. Daily dissolvable tablets start at $249 and limited brand-name injections at $1,999. US-licensed providers write the prescriptions, and medication ships free.

Score Breakdown

Value25%
10
Effectiveness25%
10
User Experience15%
8
Trust & Safety15%
6.5
Accessibility10%
5
Support10%
7
19

Healthicare

Best for: compounded GLP-1s with every line of the monthly charge shown up front

8.4

Healthicare itemizes every monthly charge, and its compounded price stays the same at every dose. Compounded semaglutide is $126 billed monthly or $107.10 a month on a 3-month plan; tirzepatide is $144, or $122.40 on the 3-month plan. The Wegovy pill runs $268.68 a month at the first two doses. Beluga Health supplies the clinicians and Jungle Jim's Pharmacy in Fairfield, OH dispenses. Ozempic, Mounjaro, Zepbound and Wegovy injections are no longer sold.

Score Breakdown

Value25%
9.5
Effectiveness25%
10
User Experience15%
8
Trust & Safety15%
6.5
Accessibility10%
5
Support10%
8.5
20

Polly

Best for: coverage in all 50 states with one price at any dose

8.4

Polly sells compounded semaglutide at $179 a month and compounded tirzepatide at $279 month to month, the same at any dose, with the consultation, supplies and overnight shipping included and no membership fee. Prepaid 3- and 6-month plans cost less per month but are billed up front and cannot be refunded after the first month. It serves all 50 states and also offers sermorelin, NAD+ and lipotropic B12 injections.

Score Breakdown

Value25%
5.8
Effectiveness25%
10
User Experience15%
8
Trust & Safety15%
10
Accessibility10%
10
Support10%
7
21

Telos Rx

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

8.4

Telos Rx, run by Superior Health Solutions LLC, sells compounded semaglutide from $99 a month, tirzepatide from $139 and microdosed tirzepatide from $116, plus under-the-tongue semaglutide or tirzepatide from $9 a day. Those are the lowest plan-length prices, and the rate for each plan length is not published. Quit a prepaid plan before its term ends and the discount is clawed back. NAD+, sermorelin and PT-141 are also sold.

Score Breakdown

Value25%
10
Effectiveness25%
10
User Experience15%
8
Trust & Safety15%
6.5
Accessibility10%
5
Support10%
7
22

Cora Health

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

8.3

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%
6.3
Effectiveness25%
10
User Experience15%
8
Trust & Safety15%
9
Accessibility10%
10
Support10%
7
23

Factor Health MD

Best for: compounded semaglutide at about $100 a month, the same at every dose

8.3

Compounded semaglutide costs $99.99 a month at Factor Health MD and compounded tirzepatide $189.99, the same at every dose. A 12-month plan paid up front lowers those to $79.99 and $149.99 a month. Compounded liraglutide runs $150 a month on a 3-month plan. Every patient has a video visit with a provider, and the St. Petersburg, Florida company also sells vitamin injectables and men's health products.

Score Breakdown

Value25%
10
Effectiveness25%
10
User Experience15%
7.5
Trust & Safety15%
6.5
Accessibility10%
5
Support10%
7
24

FitFlow

Best for: a flat dose-independent GLP-1 price with a published 50-state list

8.3

FitFlow sells compounded semaglutide and tirzepatide online, and charges the same at every dose. Month to month, semaglutide costs $175 and tirzepatide $235, with the provider visit and shipping included. The advertised $99 and $134 are annual plans paid up front ($1,188 and $1,608). VialsRx and GreenwichRx fill the prescriptions.

Score Breakdown

Value25%
6
Effectiveness25%
10
User Experience15%
8
Trust & Safety15%
9
Accessibility10%
10
Support10%
7
25

Found Youth

Best for: people who want microdose, sublingual or standard compounded GLP-1 plans priced in full up front

8.3

Found Youth is a physician-founded online apothecary offering compounded semaglutide and tirzepatide in weekly shots, low-dose microdose plans and sublingual drops, alongside peptides and skin care. It names its medical group and pharmacy and lists 50 states. Month to month, semaglutide shots are $199 and tirzepatide $279; microdose plans start at $149.

Score Breakdown

Value25%
6.2
Effectiveness25%
10
User Experience15%
8
Trust & Safety15%
9
Accessibility10%
10
Support10%
7

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 November 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 (Aronne LJ et al.)— New England Journal of Medicine.PMID: 40353578.
  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.