HSA Trackr

Levels vs Lingo HSA Comparison (2026)

Continuous glucose monitor (CGM) program with app-based insights for non-diabetics focused on metabolic health.

Abbott's consumer CGM product with biosensor and app for tracking glucose response to food and lifestyle.

HSA Eligibility at a Glance

Levels

Eligibility depends on the charge and medical purpose (LMN requirements vary)

Levels sells a software membership and optional Stelo sensors. Its support materials describe a Truemed evaluation path, but do not assume the membership, sensor, and coaching charges share one tax treatment.

Lingo

Vendor says HSA/FSA eligible; verify your use (LMN requirements vary)

Lingo markets its over-the-counter biosensor as HSA/FSA eligible. OTC status does not itself decide tax eligibility, and Lingo says the product is not intended to diagnose disease.

Pricing

Levels

$15/mo or $80/yr membership; Stelo add-on $89/shipment or $99 one-time

Lingo

$54 for the current 2-week plan

Which Should You Pick?

When to choose Levels

  • You want an ongoing analytics membership separate from sensor purchases
  • You want to add Stelo shipments through the same account
  • You value food logging and app-based interpretation
  • You will verify the sensor and membership charges separately for HSA purposes

When to choose Lingo

  • You want a current two-week over-the-counter sensor plan
  • You prefer Abbott's biosensor and Lingo app
  • You want one published product price rather than a membership plus add-on
  • You understand its general-wellness intended-use limits

Visit Each Vendor

Visit LevelsVisit Lingo

Related Comparisons

Stelo vs. Levels

Dexcom vs. Levels

Truemed vs. Flex

Common Questions

Are CGMs HSA-eligible?▼
A CGM can qualify when used to diagnose, treat, or monitor a specific medical condition and your documentation supports that purpose. General wellness use alone does not satisfy the IRS medical-care standard. An LMN can support a qualifying purpose but does not guarantee reimbursement.
What conditions justify a CGM LMN?▼
A licensed clinician should document the condition, why glucose monitoring is medically useful, and the relevant dates. HSA Trackr does not decide which diagnosis is sufficient; your account administrator makes the final determination.
What's the difference between Levels and Lingo sensors?▼
Levels currently offers optional Stelo sensor shipments alongside its software membership. Lingo uses Abbott's over-the-counter biosensor and app. Compare the current wear period, intended use, app, and total recurring cost rather than an unsupported accuracy ranking.
Can I use Stelo instead?▼
Yes. Stelo is Dexcom's direct over-the-counter product, currently listed at $89 per subscription shipment or $99 one-time. Levels offers Stelo as an optional add-on to its membership, so compare the same sensor cadence and any software fee.
Do I need a prescription?▼
Lingo and Stelo are sold over the counter. Levels' current consumer offer uses Stelo. No-prescription access does not make general-wellness use automatically HSA-eligible.
How long do sensors last?▼
Lingo's current offer is framed as a two-week plan. Stelo is sold in 30-day subscription shipments or as a one-time pack. Confirm the exact quantity and wear instructions on the current product page before purchase.
Can I use my HSA debit card for these subscriptions?▼
A checkout may accept an HSA/FSA card, but card acceptance does not determine tax eligibility. Keep the itemized receipt and any medical-purpose documentation, and confirm ambiguous charges with your administrator.
Are the apps HSA-eligible separately from the sensor?▼
Do not assume so. A diagnostic device, software membership, and coaching service can have different medical purposes. Ask for an itemized breakdown and verify the membership or coaching charge separately.

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Keep the decision and proof together

Save the itemized receipt, proof of payment, and any prescription or LMN in one proof-ready record. HSA Trackr organizes the evidence but does not determine reimbursement.

Start a proof-ready record free