Can you pay for GLP-1 medication with an HSA or FSA?
Under IRS rules a prescribed GLP-1 used to treat a disease a physician diagnosed, such as obesity, is a medical expense, which is what HSA money pays for; an FSA pays what its own plan specifies. Of the 76 sellers GLPcompare tracks, 36 say on their own pages that they take HSA or FSA payment, 14 say their plans are HSA or FSA eligible, 3 describe paying by card and claiming the receipt and 2 say they do not take it. Each statement below is quoted from the seller's page with the day it was read.
What the IRS says
Quoted from the IRS's own publications, last updated by the IRS on Apr 30, 2026. This is the general rule, not advice for your own taxes or plan.
“You can include in medical expenses amounts you pay for prescribed medicines and drugs. A prescribed drug is one that requires a prescription by a doctor for its use by an individual.”
“You can include in medical expenses amounts you pay to lose weight if it is a treatment for a specific disease diagnosed by a physician (such as obesity, hypertension, or heart disease). This includes fees you pay for membership in a weight reduction group as well as fees for attendance at periodic meetings.”
“In general, "qualified medical expenses" means amounts paid by the HSA beneficiary for "medical care" (as defined in Code section 213(d)) for the individual, the spouse of the individual, and any dependent of the individual, but only to the extent the amounts are not compensated for by insurance or otherwise. A distribution for anything else will be subject to income tax and may be subject to an additional 20% tax.”
IRS Publication 969 (2025), Health Savings Accounts and Other Tax-Favored Health Plans
“Qualified medical expenses are those specified in the plan that would generally qualify for the medical and dental expenses deduction.”
IRS Publication 969 (2025), Health Savings Accounts and Other Tax-Favored Health Plans
Publication 502 also excludes a drug ordered and shipped from another country unless it was imported legally. Compounded semaglutide and tirzepatide are dispensed on a prescription too; the rule turns on the prescription, not on FDA approval.
The lowest price you can pay from an HSA or FSA
For each medication, the lowest current 30-day cost among sellers whose own pages say HSA or FSA money can pay, by the rule every price on GLPcompare is ranked by.
- Ozempic: $149 per 30 days at NovoCare (Novo Nordisk) (Ozempic tablets, $149/30 days). 4 sellers: Costco Pharmacy, Luvo Health, Maximus, NovoCare (Novo Nordisk).
- Wegovy: $149 per 30 days at Amazon Pharmacy (Wegovy pill, $149/30 days); NovoCare (Novo Nordisk) (Wegovy pill (oral semaglutide), from $149/mo). 11 sellers: Amazon Pharmacy, Costco Pharmacy, GobyMeds, Hims & Hers, Ivim Health, LifeMD, Maximus, NovoCare (Novo Nordisk), OrderlyMeds, Ro, TrimRx.
- Wegovy HD: $428 per 30 days at NovoCare (Novo Nordisk) (Wegovy HD pen (7.2 mg), $399/28 days). 2 sellers: Maximus, NovoCare (Novo Nordisk).
- Mounjaro: $535 per 30 days at LillyDirect (Eli Lilly) (Mounjaro single-dose pens, from $499/28 days). 2 sellers: LillyDirect (Eli Lilly), Maximus.
- Zepbound: $320 per 30 days at Amazon Pharmacy (Zepbound KwikPen, $299/28 days); LillyDirect (Eli Lilly) (Zepbound KwikPen (multi-dose pen), $299-$449/28 days); LillyDirect (Eli Lilly) (Zepbound single-dose vials (2.5 mg), $299/28 days). 11 sellers: Amazon Pharmacy, GobyMeds, Hims & Hers, Ivim Health, LifeMD, LillyDirect (Eli Lilly), Luvo Health, Maximus, OrderlyMeds, Ro, TrimRx.
- Trulicity: $417 per 30 days at LillyDirect (Eli Lilly) (Trulicity single-dose pens, from $389/28 days). 1 seller: LillyDirect (Eli Lilly).
- Foundayo: $149 per 30 days at Amazon Pharmacy (Foundayo, $149/30 days); LillyDirect (Eli Lilly) (Foundayo (LillyDirect self-pay), from $149/mo). 4 sellers: Amazon Pharmacy, Ivim Health, LillyDirect (Eli Lilly), Maximus.
- Compounded semaglutide (not FDA-approved): $107 per 30 days at GobyMeds (Compounded semaglutide, $299/12 weeks). 39 sellers: AgelessRx, Alloy, Amble, Big Easy Weight Loss, Brello Health, Care Bare Rx, CoraDoc, Curex, Embody, Fifty 410, Found, Fridays, GobyMeds, HealthRX, Ivim Health, LumiMeds, Luvo Health, MEDVi, NexLife, Noom, Oak Longevity, OrderlyMeds, Ozari Health, Peak Wellness, Pomegranate Health, PreventiveMD, Raeliva, Remedy Meds, Rx.com, Shed, Sipra, SkinnyRx, Sunlight, Telos Rx, Trimi, Willow, Zappy Health, bmiMD, yourEra.
- Compounded tirzepatide (not FDA-approved): $143 per 30 days at GobyMeds (Compounded tirzepatide, $399/12 weeks). 40 sellers: Alloy, Amble, Big Easy Weight Loss, Brello Health, Care Bare Rx, CoraDoc, Curex, Eden, Embody, Fifty 410, Found, Fridays, GobyMeds, HealthRX, Ivim Health, LumiMeds, Luvo Health, MEDVi, Maximus, NexLife, Oak Longevity, OrderlyMeds, Ozari Health, Peak Wellness, Pomegranate Health, PreventiveMD, Raeliva, Remedy Meds, Rx.com, Shed, Sipra, SkinnyRx, Sunlight, Telos Rx, TrimRx, Trimi, Willow, Zappy Health, bmiMD, yourEra.
What each seller says about HSA and FSA
Quoted from each seller's own page, with the day it was read. A seller not listed says nothing about HSA or FSA on the pages read; ask it before you pay.
Say they take HSA or FSA payment (36)
Their own pages say you can pay with an HSA or FSA card.
- AgelessRx: “HSA/FSA cards may be accepted as payment at AgelessRx. If you would like to try using your HSA or FSA card for an order, simply enter your card information at checkout as you would any other card.” Read Oct 26, 2026, source (AgelessRx HSA and FSA source).
- Alloy: “Easy cash-pay, no insurance headaches, and FSA/HSA cards accepted” Read Oct 26, 2026, source (Alloy HSA and FSA source).
- Amazon Pharmacy: “Accepts FSA/HSA” Read Oct 26, 2026, source (Amazon Pharmacy HSA and FSA source).
- Amble: “HSA and FSA cards are accepted for 3-month or longer plans. We also provide itemized receipts in case you need to self-submit to your benefits provider.” Card payment is limited to plans of 3 months or longer. Read Oct 26, 2026, source (Amble HSA and FSA source).
- Big Easy Weight Loss: “During the signup process, there is a dropdown that allows you to select HSA as a payment option.” It says it provides superbills and letters of medical necessity. Read Oct 26, 2026, source (Big Easy Weight Loss HSA and FSA source).
- bmiMD: “Yes, bmiMD accepts FSA and HSA payment options.” Read Oct 26, 2026, source (bmiMD HSA and FSA source).
- Brello Health: “many patients successfully use FSA or HSA health benefit plans to cover the cost of their treatment plan. Please be advised that while we can attempt to process your HSA or FSA card, we cannot guarantee coverage.” From Brello's own help center; it says its clinical team can provide a summary of service document. Read Oct 26, 2026, source (Brello Health HSA and FSA source).
- Calibrate: “You can use your HSA or FSA funds to pay for the Metabolic Reset.” Covers: the Metabolic Reset membership. Its pricing page says lab tests and prescription medications are not included in the membership cost. Read Oct 26, 2026, source (Calibrate HSA and FSA source).
- Care Bare Rx: “Yes! We accept both FSA and HSA cards.” Read Oct 26, 2026, source (Care Bare Rx HSA and FSA source).
- CoraDoc: “we accept HSA and FSA cards, plus Afterpay, Klarna, and Affirm for split payments.” Read Oct 26, 2026, source (CoraDoc HSA and FSA source).
- Costco Pharmacy: “We now take HSA, FSA and Medicare Advantage Prepaid Benefits Cards at all registers.” Read on Costco Pharmacy's member pricing page. Read Oct 26, 2026, source (Costco Pharmacy HSA and FSA source).
- Curex: “Yes! You can pay with your HSA or FSA card.” Curex says it supplies a detailed invoice on request after payment. Read Oct 26, 2026, source (Curex HSA and FSA source).
- Fifty 410: “Flexible payments: Afterpay Affirm FSA/HSA” Read Oct 26, 2026, source (Fifty 410 HSA and FSA source).
- Fridays: “Absolutely! You can use your HSA or FSA card to pay for compounded GLP-1 medications.” Covers: compounded GLP-1 medications. Read Oct 26, 2026, source (Fridays HSA and FSA source).
- GobyMeds: “All major credit cards and HSA/FSA cards are accepted.” It says a letter of medical necessity is available from its support team. Read Oct 26, 2026, source (GobyMeds HSA and FSA source).
- Ivim Health: “Yes! Compounded Semaglutide medication can be paid for with your HSA or FSA card.” Covers: compounded semaglutide medication. Read Oct 26, 2026, source (Ivim Health HSA and FSA source).
- LillyDirect (Eli Lilly): “LillyDirect accepts most major insurance plans, FSA/HSA cards, and all major credit cards through our dispensing pharmacies.” Its Zepbound and Foundayo pages add: "HSA/FSA eligible: Eligibility may vary by plan". Read Oct 26, 2026, source (LillyDirect (Eli Lilly) HSA and FSA source).
- LumiMeds: “Split any plan with Klarna, or use FSA/HSA dollars.” Read Oct 26, 2026, source (LumiMeds HSA and FSA source).
- Maximus: “Yes. Maximus accepts both HSA and FSA cards for weight loss treatment.” Read Oct 26, 2026, source (Maximus HSA and FSA source).
- Mochi Health: “Can I use my HSA or FSA account to pay for my Mochi membership? Yes!” Covers: the Mochi membership. Read Oct 26, 2026, source (Mochi Health HSA and FSA source).
- NexLife: “FSA and HSA payments are accepted.” Read Oct 26, 2026, source (NexLife HSA and FSA source).
- Noom: “GLP-1 medications prescribed for a medical condition like obesity are generally eligible FSA and HSA expenses. You can use your pre-tax benefit card to cover your subscription costs.” Covers: the Noom GLP-1Rx subscription. Read Oct 26, 2026, source (Noom HSA and FSA source).
- NovoCare (Novo Nordisk): “We accept debit, credit, and FSA/HSA cards.” Covers: medication from the NovoCare Pharmacy. Read Oct 26, 2026, source (NovoCare (Novo Nordisk) HSA and FSA source).
- Oak Longevity: “No insurance is needed, and you can use FSA or HSA funds.” Read Oct 26, 2026, source (Oak Longevity HSA and FSA source).
- OrderlyMeds: “Yes, we do accept both Health Savings Account (HSA) and Flexible Spending Cards (FSA) as forms of payment.” Read Oct 26, 2026, source (OrderlyMeds HSA and FSA source).
- Ozari Health: “HSA/FSA accepted” Read Oct 26, 2026, source (Ozari Health HSA and FSA source).
- Pomegranate Health: “FSA/HSA Accepted” Read Oct 26, 2026, source (Pomegranate Health HSA and FSA source).
- PreventiveMD: “HSA and FSA cards are accepted at checkout.” It says it can provide a letter of medical necessity and an itemized receipt on request. Read Oct 26, 2026, source (PreventiveMD HSA and FSA source).
- Raeliva: “FSA & HSA cards accepted” It says it sends an itemized receipt for reimbursement on request, and that eligibility depends on your plan. Read Oct 26, 2026, source (Raeliva HSA and FSA source).
- Remedy Meds: “HSA/FSA accepted” Read Oct 26, 2026, source (Remedy Meds HSA and FSA source).
- Rx.com: “You can pay with a debit or credit card, and many HSA and FSA cards are accepted.” Read Oct 26, 2026, source (Rx.com HSA and FSA source).
- Shed: “Yes. Eligible Shed treatments and services can be paid for using HSA or FSA funds. Eligibility can depend on your plan and the treatment you receive.” Read Oct 26, 2026, source (Shed HSA and FSA source).
- Sunlight: “We accept all major credit cards as well as HSA/FSA payments, and there are no hidden fees.” Read Oct 26, 2026, source (Sunlight HSA and FSA source).
- Trimi: “HSA/FSA payment is accepted, but your plan administrator determines expense eligibility.” Read Oct 26, 2026, source (Trimi HSA and FSA source).
- TrimRx: “Visa, Mastercard, American Express, and Discover (including eligible HSA/FSA cards)” A list of accepted payment methods in its terms. Read Oct 26, 2026, source (TrimRx HSA and FSA source).
- Willow: “Yes, you can use your HSA or FSA to pay for Willow prescriptions at checkout.” Covers: Willow prescriptions. Read Oct 26, 2026, source (Willow HSA and FSA source).
Say their plans are HSA or FSA eligible (14)
Their pages say so without saying how you pay; confirm with the seller and your plan.
- Eden: “FSA & HSA eligible” Read Oct 26, 2026, source (Eden HSA and FSA source).
- Embody: “HSA/FSA Approved” Read Oct 26, 2026, source (Embody HSA and FSA source).
- Form Health: “The self-pay plan monthly fee is HSA/FSA eligible.” Covers: the self-pay program's monthly fee. Read Oct 26, 2026, source (Form Health HSA and FSA source).
- Found: “HSA/FSA eligibility” Read Oct 26, 2026, source (Found HSA and FSA source).
- HealthRX: “Plans are HSA and FSA eligible.” Read Oct 26, 2026, source (HealthRX HSA and FSA source).
- LifeMD: “HSA/FSA Eligible” Read Oct 26, 2026, source (LifeMD HSA and FSA source).
- Luvo Health: “If HSA/FSA payment is available for your plan, you’ll see that option at checkout. Eligibility can vary by administrator and plan type.” Read Oct 26, 2026, source (Luvo Health HSA and FSA source).
- MEDVi: “HSA/FSA Approved!” Read Oct 26, 2026, source (MEDVi HSA and FSA source).
- Peak Wellness: “HSA/FSA Eligible” Read Oct 26, 2026, source (Peak Wellness HSA and FSA source).
- Sipra: “Sipra is cash-pay, so you do not need insurance, and many members use HSA or FSA funds.” Read Oct 26, 2026, source (Sipra HSA and FSA source).
- SkinnyRx: “FSA/HSA eligible” Read Oct 26, 2026, source (SkinnyRx HSA and FSA source).
- Telos Rx: “One subscription, no hidden fees. Free 2-day shipping, free consultations, FSA/HSA eligible. Cancel in one click.” Read Oct 26, 2026, source (Telos Rx HSA and FSA source).
- yourEra: “Many members use HSA/FSA funds; check with your plan administrator for eligibility.” Read Oct 26, 2026, source (yourEra HSA and FSA source).
- Zappy Health: “FSA & HSA Eligible” Read Oct 26, 2026, source (Zappy Health HSA and FSA source).
Describe claiming it with their receipt (3)
Their pages describe paying first and claiming the cost from your account.
- Hims & Hers: “We recommend using a valid credit or debit card and submitting reimbursement.” Its page says the full amount of a GLP-1 injectable or oral medication kit is eligible for FSA and HSA reimbursement, and that the receipt is in the Orders tab. Read Oct 26, 2026, source (Hims & Hers HSA and FSA source).
- Ro: “We do not accept HSA/FSA cards at this time. However, you can always submit a detailed receipt after your purchase to your HSA provider.” Read Oct 26, 2026, source (Ro HSA and FSA source).
- Sesame: “if you have a Health Savings Account (HSA) or Flexible Spending Account (FSA) through your health insurance plan, most of the services within your subscription may be eligible for reimbursement.” It says it provides an itemized bill to submit on request. Read Oct 26, 2026, source (Sesame HSA and FSA source).
Say they do not take HSA or FSA cards (2)
Their own pages say so.
- Enhance.MD: “Please note, we do not accept gift cards or pre-loaded credit cards or FSA/HSA cards.” Read Oct 26, 2026, source (Enhance.MD HSA and FSA source).
- TelePep: “HSA/FSA cards are not accepted yet” Read Oct 26, 2026, source (TelePep HSA and FSA source).
GLP-1 and HSA or FSA: common questions
Is GLP-1 medication HSA or FSA eligible?
A GLP-1 medication such as Wegovy, Zepbound, Ozempic, Mounjaro, the Wegovy pill or Foundayo is dispensed only on a prescription. IRS Publication 502 counts prescribed medicines as medical expenses ("You can include in medical expenses amounts you pay for prescribed medicines and drugs. A prescribed drug is one that requires a prescription by a doctor for its use by an individual.") and weight loss as one when it treats a disease a physician diagnosed, such as obesity. HSA money pays for medical care as that rule defines it, and an FSA pays what its own plan specifies, so check your plan. Publication 502 also says: "You can include in medical expenses amounts you pay to lose weight if it is a treatment for a specific disease diagnosed by a physician (such as obesity, hypertension, or heart disease). This includes fees you pay for membership in a weight reduction group as well as fees for attendance at periodic meetings." Money taken from an HSA for anything that is not a qualified medical expense will be subject to income tax and may be subject to an additional 20% tax (IRS Publication 969). IRS Publication 502 (2025), Medical and Dental Expenses
Is compounded semaglutide or tirzepatide HSA eligible?
Compounded semaglutide and tirzepatide are also dispensed only on a prescription, and Publication 502's rule turns on whether a drug is prescribed, not on whether it is FDA-approved. The same conditions apply: a treatment for a diagnosed disease, and what your plan accepts. A drug ordered and shipped from another country is excluded unless imported legally. Compounded semaglutide: 39 sellers say HSA or FSA money can pay for it, the lowest current price among them $107 per 30 days at GobyMeds (Compounded semaglutide, $299/12 weeks). Compounded tirzepatide: 40 sellers say HSA or FSA money can pay for it, the lowest current price among them $143 per 30 days at GobyMeds (Compounded tirzepatide, $399/12 weeks).
Is Zepbound HSA or FSA eligible?
Under the IRS rule above, yes when it is prescribed to treat a disease a physician diagnosed, such as obesity; an FSA pays what its own plan specifies. Sellers of Zepbound whose own pages say HSA or FSA money can pay for it, by card or by claiming the receipt: Amazon Pharmacy, GobyMeds, Hims & Hers, Ivim Health, LifeMD, LillyDirect (Eli Lilly), Luvo Health, Maximus, OrderlyMeds, Ro, and TrimRx; the lowest current price among them is $320 per 30 days at Amazon Pharmacy (Zepbound KwikPen, $299/28 days), LillyDirect (Eli Lilly) (Zepbound KwikPen (multi-dose pen), $299-$449/28 days), and LillyDirect (Eli Lilly) (Zepbound single-dose vials (2.5 mg), $299/28 days). Zepbound prices
Is Wegovy HSA or FSA eligible?
Under the IRS rule above, yes when it is prescribed to treat a disease a physician diagnosed, such as obesity; an FSA pays what its own plan specifies. Sellers of Wegovy whose own pages say HSA or FSA money can pay for it, by card or by claiming the receipt: Amazon Pharmacy, Costco Pharmacy, GobyMeds, Hims & Hers, Ivim Health, LifeMD, Maximus, NovoCare (Novo Nordisk), OrderlyMeds, Ro, and TrimRx; the lowest current price among them is $149 per 30 days at Amazon Pharmacy (Wegovy pill, $149/30 days) and NovoCare (Novo Nordisk) (Wegovy pill (oral semaglutide), from $149/mo). Wegovy prices
Is Ozempic HSA or FSA eligible?
Under the IRS rule above, yes when it is prescribed to treat a disease a physician diagnosed, such as obesity; an FSA pays what its own plan specifies. Sellers of Ozempic whose own pages say HSA or FSA money can pay for it, by card or by claiming the receipt: Costco Pharmacy, Luvo Health, Maximus, and NovoCare (Novo Nordisk); the lowest current price among them is $149 per 30 days at NovoCare (Novo Nordisk) (Ozempic tablets, $149/30 days). Ozempic prices
Is Mounjaro HSA or FSA eligible?
Under the IRS rule above, yes when it is prescribed to treat a disease a physician diagnosed, such as obesity; an FSA pays what its own plan specifies. Sellers of Mounjaro whose own pages say HSA or FSA money can pay for it, by card or by claiming the receipt: LillyDirect (Eli Lilly) and Maximus; the lowest current price among them is $535 per 30 days at LillyDirect (Eli Lilly) (Mounjaro single-dose pens, from $499/28 days). Mounjaro prices
Is Foundayo HSA or FSA eligible?
Under the IRS rule above, yes when it is prescribed to treat a disease a physician diagnosed, such as obesity; an FSA pays what its own plan specifies. Sellers of Foundayo whose own pages say HSA or FSA money can pay for it, by card or by claiming the receipt: Amazon Pharmacy, Ivim Health, LillyDirect (Eli Lilly), and Maximus; the lowest current price among them is $149 per 30 days at Amazon Pharmacy (Foundayo, $149/30 days) and LillyDirect (Eli Lilly) (Foundayo (LillyDirect self-pay), from $149/mo). Foundayo prices
Which GLP-1 sellers accept HSA and FSA cards?
Sellers whose own pages say they take HSA or FSA payment: AgelessRx, Alloy, Amazon Pharmacy, Amble, Big Easy Weight Loss, bmiMD, Brello Health, Calibrate, Care Bare Rx, CoraDoc, Costco Pharmacy, Curex, Fifty 410, Fridays, GobyMeds, Ivim Health, LillyDirect (Eli Lilly), LumiMeds, Maximus, Mochi Health, NexLife, Noom, NovoCare (Novo Nordisk), Oak Longevity, OrderlyMeds, Ozari Health, Pomegranate Health, PreventiveMD, Raeliva, Remedy Meds, Rx.com, Shed, Sunlight, Trimi, TrimRx, and Willow. Sellers whose pages say their plans are HSA or FSA eligible, without saying how you pay: Eden, Embody, Form Health, Found, HealthRX, LifeMD, Luvo Health, MEDVi, Peak Wellness, Sipra, SkinnyRx, Telos Rx, yourEra, and Zappy Health. Sellers whose pages describe claiming the cost from your account with their receipt: Hims & Hers, Ro, and Sesame. Sellers whose pages say HSA and FSA cards are not accepted: Enhance.MD and TelePep. Sellers not named here say nothing about it on the pages GLPcompare read; ask them before you pay.
Can I pay a telehealth membership or visit fee with my HSA?
Publication 502 says medical expenses include "payments for legal medical services rendered by physicians, surgeons, dentists, and other medical practitioners", and that weight loss treating a diagnosed disease includes "fees you pay for membership in a weight reduction group". Whether a seller's membership counts on your claim, and whether your FSA covers it, depends on what the fee pays for and on your plan; several sellers below say what their HSA or FSA payment covers.