HSA Trackr

Hims vs Ro HSA Comparison (2026)

Telehealth for men: ED, hair loss, mental health, primary care, weight loss.

Telehealth covering weight loss (GLP-1s), ED, hair, fertility, and primary care for all genders.

HSA Eligibility at a Glance

Hims

HSA-eligible

Hims visit fees and the prescription medications they ship are HSA-eligible (they prescribe during the telehealth visit, you do not need to bring an existing Rx). Cosmetic-only products without a prescription are not eligible.

Ro

HSA-eligible

Ro consultations and the prescription medications they dispense are HSA-eligible (Ro's provider prescribes during the visit), including GLP-1 weight loss medications when prescribed for obesity or related conditions.

Pricing

Hims

Consultation: free with subscription. Medications: $10 to $40+ per month depending on Rx.

Ro

Consultation: $15 to $99. GLP-1: $499 to $1,349 per month. ED meds: $5 to $30 per month.

Which Should You Pick?

When to choose Hims

  • You're male and want a single platform for ED, hair, mental health, and primary care
  • You want flat-rate consultations bundled with medication subscriptions
  • Your primary need is hair loss or ED treatment
  • You want generic medications at the lowest possible price

When to choose Ro

  • You need GLP-1 weight loss medication (Wegovy, Zepbound, compounded options)
  • You want a unified platform across all genders and conditions
  • You're interested in fertility services (Ro covers more here than Hims)
  • You want concierge-style care with dedicated nurse messaging

Visit Each Vendor

Visit HimsVisit Ro

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Common Questions

Are Hims and Ro both HSA-eligible?▼
Yes, medical consultations and prescription medications from both are HSA-eligible. Strictly cosmetic products (like shampoo without a prescription) are not eligible.
Can I use my HSA for GLP-1 weight loss meds from Ro?▼
Yes, GLP-1 medications like Wegovy and Zepbound are HSA-eligible when prescribed for obesity (BMI 30+) or weight-related conditions (BMI 27+ with comorbidities). Ro will issue a prescription based on your consultation.
Are hair loss treatments HSA-eligible?▼
Hair loss medications sit in a cosmetic gray area. IRS Pub 502 explicitly names hair transplants and hair removal as cosmetic and excluded. Prescription finasteride and minoxidil aren't named, but IRS audits historically lean cosmetic. Safer default: not HSA-eligible without a Letter of Medical Necessity (LMN) from your clinician documenting androgenetic alopecia or a comparable diagnosis. See our pillar guide at /guides/is-hims-hsa-eligible for the full IRS analysis.
What about ED medications?▼
Prescription sildenafil (Viagra generic) and tadalafil (Cialis generic) are HSA-eligible when prescribed by a licensed provider. Both Hims and Ro provide these via telehealth consultation.
Do they accept my HSA card directly?▼
Both Hims and Ro accept HSA/FSA debit cards at checkout. You can also pay with a regular card and reimburse yourself from your HSA later. HSA Trackr makes that easy to document.
Which is cheaper for general telehealth?▼
Hims tends to be cheaper for ongoing medication subscriptions (Cialis generic from $5/mo). Ro charges more per consultation but offers broader services.
Are mental health visits covered?▼
Yes, both Hims and Ro offer mental health services with prescription capability. Treatment for diagnosed conditions like anxiety or depression is HSA-eligible.
How do I track these recurring charges for my HSA?▼
Set up a recurring expense in HSA Trackr with the monthly charge and prescription category. The platform auto-generates monthly entries and stores your invoices.

Read More

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