Cost guide · Verified July 6, 2026
How much will HRT cost you?
Every other page answering this question quotes a "$20 to $500/mo" shrug. We priced the women's platforms ourselves: consult fees, med costs, and the real first-year total with assumptions documented. The table is below; the calculator matches you to a platform in four questions.
Step 1 of 4
Do you have health insurance?
What does HRT actually cost in 2026?
Verified against provider sites and primary sources on July 6, 2026: $700 to $1,068 for a realistic first year of cash-pay HRT, depending on platform. None of the eight women's platforms we track bills insurance directly. They're all cash-pay.
The short answer
- Cheapest all-inclusive (compounded): Winona: $54/mo tablets, $0 consult ≈ $648 year one
- Labs-first floor: Hone Health: $25/mo membership + medication ≈ $700 year one (the $25 is a membership, not treatment)
- Brand-name on a 12-month plan: Hers: $79/mo oral ≈ $948 year one
- Public-price compounded option: Gala Health: $79/mo pill, free shipping ≈ $948 year one (Provisional; compounded, not FDA-approved)
- FDA-approved generic route: Sesame Care: a doctor marketplace prescribing FDA-approved generic estradiol and progesterone to your own pharmacy; menopause visit about $99 to $125 (reported), generic drug price not verified this pass, so no single first-year figure
- Peptide-led platform, HRT on the side: Telos RX: bioidentical estradiol and progesterone, but only its GLP-1 and peptide prices are published, not an HRT number
- Lowest-friction topical (unverified pricing): Inner Balance: single cream, price not confirmed in our July pass
The verified cross-provider price table
No other page on the internet has this table, which is exactly why we built it: every women's HRT platform we track, with the consult fee, the monthly medication cost, and the real first-year total, sorted by that total, cheapest first. Grade = our A-F Transparency Grade (what the provider discloses before intake). Sorted by cost, never by affiliate status.
| Provider | Consult fee | Monthly cost | Real first year | Grade | Verified |
|---|---|---|---|---|---|
| Hone Health7.5/10 | $65 initial Biomarker Test + Consult | from $25/mo | ≈ $700 | C | Jul 6, 2026 |
| Hers Menopause7.4/10 | n/a | from $79/mo | ≈ $948 | D | Jul 6, 2026 |
| Gala Health7.2/10 | $79/mo covers the plan, clinician care, messaging, and shipping; no separate consult fee surfaced | from $79/mo | ≈ $948 | C | Jul 7, 2026 |
| Winona8.4/10 | $0, product-only pricing | from $54/mo | ≈ $1,068 | B | Jul 6, 2026 |
| Midi Health7.7/10 | n/a | from $150/mo | Not verifiable | B | Jul 27, 2026 |
| Defy Medical7.6/10 | n/a | from $250/mo | Not verifiable | C | Jul 27, 2026 |
| Sesame Care7.6/10 | Menopause care runs about $99/mo on Sesame's reported Menopause and HRT plan, or per-visit (about $99 to $125 a video visit) on the marketplace; optional Sesame Plus $10.99/mo or $99/year takes $10 off visits | from $99/mo | Not verifiable | B | Jul 7, 2026 |
| Wisp7.3/10 | $99 Menopause Consult, including 3 months of care-team access; medication billed separately by your pharmacy | from $99/mo | Not verifiable | B | Jul 24, 2026 |
| Gennev7.1/10 | n/a | from $199/mo | Not verifiable | B | Jul 27, 2026 |
| Elektra Health7.0/10 | n/a | from $149/mo | Not verifiable | B | Jul 27, 2026 |
| Inner Balance7.0/10 | n/a | from $99/mo | Not verifiable | D | May 12, 2026 |
| Telos RX6.9/10 | Not published for the HRT line; the for-women page shows only GLP-1 and peptide prices (roughly $129 to $149/mo) | from $129/mo | Not verifiable | D | Jul 7, 2026 |
First-year totals = consult fee + 12 months on the provider's cheapest systemic-estrogen route; the full assumption set for each number is documented on the ranked review pages. "Not verifiable" means the provider gates pricing behind intake or our July 2026 pass couldn't confirm it, which tells you something too. Facts carry Verified/Reported status labels on each review page. Every platform here is cash-pay; for how commercial coverage interacts with the pharmacy price of your medication, see the insurance guide.
Why do our numbers differ from advertised prices?
Because the advertised price is a marketing artifact and the first-year cost is arithmetic. The category's recurring anchor-pricing patterns, named:
- The two-part price. Hone Health advertises a $25/mo membership, which buys zero medication. Meds are a separate charge, and the realistic all-in lands at $53 to $180+/mo. Our floor estimate: ≈$700 year one.
- The commitment gate. Hers's $79/mo oral estradiol requires a 12-month plan; shorter plans cost more and the exact prices are gated behind intake.
- The pricing you can't confirm. Inner Balance surfaced in our July pass without confirmable published pricing at all, the least-verifiable provider we track, which is its own kind of cost signal.
None of this is illegal, and some of it is defensible. But it's why a "from $X/mo" comparison misleads and a verified first-year table doesn't. The Transparency Grade column above exists to price this behavior in.
What makes HRT cost more or less?
- Insurance or cash-pay.None of the eight women's platforms we track bill insurance. All are cash-pay, charging $25/mo (membership) to $149/mo for medication or product. Insurance can still cover FDA-approved estradiol at your own pharmacy. Full breakdown in the insurance guide.
- FDA-approved vs compounded.Compounded platforms (Winona, Inner Balance, Gala Health, and Telos RX) are not FDA-approved; the first three bundle medication into one cash subscription, while Telos does not publish its HRT price. FDA-approved platforms (Hers, Sesame Care, and Hone's brand line) price meds per product or send them to your pharmacy. The clinical difference matters more than the billing difference. See the bioidentical HRT guide.
- Delivery format. Pills are cheapest ($54 to $79/mo verified); patches run $134 to $149/mo, and are also the format hit by the 2026 shortage.
- Clinical depth.Chat-only platforms (Winona) are cheaper than labs-first platforms (Hone Health); the biomarker panels and physician consults in Hone's Premium tier push it toward $180+/mo.
FAQ
HRT cost questions, answered with numbers
How much does HRT cost per month?
Verified July 2026, across the 8 women's platforms we track: the cheapest all-inclusive route is Winona at $54/month (compounded, $0 consult). Hone Health is a $25/month membership plus medication, a realistic $53-$180+/month all-in. Hers runs $79/month for oral estradiol on a 12-month plan. Gala Health publishes a public $79/month starting price (compounded, free shipping). Sesame Care is a per-visit marketplace prescribing FDA-approved generics to your own pharmacy (menopause visit about $99-125 reported; generic drug price not verified this pass). Telos RX publishes only its GLP-1 and peptide prices, not an HRT number. Inner Balance's single topical-cream product wasn't price-verifiable in our July pass. Wisp charges $99 for the consult alone and leaves the hormone cost to your own pharmacy, so it has no monthly number either. All eight are cash-pay.
Why do you quote first-year cost instead of monthly price?
Because monthly headline prices are where the category hides the ball. Consult fees, annual-billing anchors, two-part membership-plus-meds structures, and 3-month billing blocks all disappear from a '/mo' number. First-year cost (consult plus 12 months on the cheapest systemic-estrogen route, assumptions documented per provider) is the number you can actually compare. It ranges from about $700 (Hone Health) to about $1,068 (Winona) across our women's set.
Is HRT cheaper with insurance?
None of the eight women's platforms we track bill insurance directly. They're cash-pay. Insurance still helps in one place: the medication. FDA-approved estradiol and micronized progesterone are cheap generics on most formularies, so filling a prescription at your own pharmacy runs it through your plan even when the telehealth visit doesn't. Cash-pay isn't automatically the expensive tier: Winona's $54/month all-inclusive or Hone's ~$53/month floor beats plenty of copay stacks once you count the pharmacy price of brand HRT.
What's the cheapest way to get HRT?
If you want the lowest all-inclusive number and accept compounded (non-FDA-approved) hormones: Winona at $54/month with a $0 consult. If you want a labs-first workup with the biggest verified review base, Hone Health floors around $53/month all-in ($25 membership + medication). The pharmacy-counter route (any prescriber plus generic estradiol on a discount card) can beat both on med cost, but you still have to pay for the clinician somewhere.
Are there hidden fees in HRT telehealth?
Rarely hidden outright, usually just relocated. The recurring patterns we found: annual-billing anchor prices ('$35/mo' that requires prepaying $348), membership fees that exclude medication, one-time consult fees quoted after the price headline, 3-month billing blocks that triple the per-charge outlay, and cash prices published only in help-center articles. Every provider's version of this is documented in the 'why our numbers differ' section above and on its review page.
This is general information, not medical advice.HRT is a prescription treatment; whether it's right for you (and which formulation) is a decision for you and a licensed clinician. Prices on this page were verified against provider sites and primary sources on July 6, 2026 and are re-checked monthly; providers change prices without notice.
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Gala Health
Sesame Care
Wisp