Levels
Premium metabolic health CGM program with app, coaching, and analytics.
HSA-eligibleLMN required
Best for: serious metabolic optimizers who want the most polished app and coaching layer.
$199/mo or $1,788/yr (2 sensors per month)
Best HSA-Eligible Continuous Glucose Monitors (2026)
Continuous glucose monitors (CGMs) used to be diabetes-only. Now consumer CGMs from Levels, Lingo, Stelo, and Nutrisense target metabolic health. All require a Letter of Medical Necessity for HSA reimbursement unless you have a diabetes diagnosis. This guide breaks down pricing and the LMN path for each.
Lingo
Abbott's consumer CGM (Libre-based) with metabolic coaching app.
HSA-eligibleLMN required
Best for: budget-conscious metabolic health tracking. Abbott hardware reliability.
$89/mo for 2 sensors, $49/mo for 1 sensor
Stelo
Dexcom's OTC CGM for non-diabetic adults. No prescription required.
HSA-eligibleLMN required
Best for: people who want Dexcom hardware quality without a prescription. App is basic.
$89/mo (2 sensors)
Dexcom G7
Medical-grade CGM for diabetes management, direct purchase or via Rx.
HSA-eligible
Best for: type 1, type 2, or gestational diabetes. Most accurate consumer CGM available.
~$200/mo cash, less with insurance
Nutrisense
CGM program with dietitian coaching included.
HSA-eligibleLMN required
Best for: people who want 1-on-1 dietitian guidance interpreting CGM data.
$175-$399/mo depending on coaching tier
Common Questions
Are CGMs HSA-eligible without diabetes?▼
Yes with a Letter of Medical Necessity. Common LMN justifications: prediabetes, metabolic syndrome, PCOS, reactive hypoglycemia, or weight management.
How do I get an LMN for a CGM?▼
Ask your primary care doctor, endocrinologist, or functional medicine provider. Truemed and Sika Health also issue LMNs during checkout on supported CGM brands.
Does my HSA cover the sensors and the app subscription?▼
Yes for both when bundled by the vendor. The whole monthly fee qualifies as a medical expense.
Which CGM has the best app?▼
Levels has the most polished metabolic-health app. Lingo is improving fast. Stelo's app is intentionally basic. Nutrisense pairs CGM data with human coaching.
Can I use insurance for any of these consumer CGMs?▼
Not for Levels, Lingo, Stelo, or Nutrisense (consumer/lifestyle positioning). Dexcom G7 is insurance-covered for diabetes diagnoses through pharmacy or DME benefits.
How do I log a CGM subscription in HSA Trackr?▼
Add the monthly charge as a recurring expense, category 'medical'. Attach the LMN PDF to the first entry so all subsequent charges inherit the documentation.
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