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

HSA-eligible (LMN required)

Levels CGM and software subscription are HSA-eligible with an LMN. Levels facilitates the LMN process through their telehealth network at signup.

Lingo

HSA-eligible (LMN required)

Lingo biosensors and subscription are HSA-eligible with an LMN. The LMN must establish the CGM as treating or monitoring a diagnosed condition (prediabetes, metabolic syndrome).

Pricing

Levels

$199/mo (annual: $2,388) includes Stelo/Dexcom sensors + software

Lingo

$49 for 2-week starter, $89/mo for ongoing biosensor subscription

Which Should You Pick?

When to choose Levels

  • You want deep nutritionist + coach support included in the subscription
  • You prefer Dexcom-grade sensor accuracy and don't mind the higher price
  • You want a more analytical, research-oriented experience
  • You're optimizing for athletic performance or longevity goals

When to choose Lingo

  • You want a lower-cost entry point into CGM (about $89/mo vs $199/mo)
  • You're new to CGM and want a simpler 2-week starter to test the waters
  • You prefer Abbott's biosensor (smaller form factor than Dexcom)
  • You don't need coaching, just data and insights

Visit Each Vendor

Visit LevelsVisit Lingo

Related Comparisons

Stelo vs. Levels

Dexcom vs. Levels

Truemed vs. Flex

Common Questions

Are CGMs HSA-eligible?▼
Yes, CGM devices and ongoing sensor subscriptions are HSA-eligible with a Letter of Medical Necessity (LMN). Both Levels and Lingo offer streamlined LMN issuance during signup.
What conditions justify a CGM LMN?▼
Prediabetes, metabolic syndrome, insulin resistance, PCOS, history of gestational diabetes, and reactive hypoglycemia are commonly accepted. A licensed provider must establish the diagnosis.
What's the difference between Levels and Lingo sensors?▼
Levels uses Dexcom G7 (and Stelo) sensors, widely considered the most accurate. Lingo uses Abbott's biosensor, slightly less accurate but smaller and cheaper. For non-diabetic monitoring, both are sufficient.
Can I use Stelo instead?▼
Yes, Stelo is the over-the-counter Dexcom G7 product sold direct. It's cheaper than Levels (about $89/mo for sensors only, no app) but you don't get the Levels coaching or app insights. See our stelo-vs-levels comparison.
Do I need a prescription?▼
No prescription is required for Levels, Lingo, or Stelo as of 2024 OTC approval. You still need an LMN to make the purchase HSA-eligible.
How long do sensors last?▼
Dexcom G7 sensors (Levels): 10 days each. Lingo biosensors: 14 days each. Plan your subscription cadence accordingly.
Can I use my HSA debit card for these subscriptions?▼
Yes, both accept HSA/FSA cards at checkout. Keep the LMN on file. HSA Trackr lets you store the LMN with your recurring CGM expense.
Are the apps HSA-eligible separately from the sensor?▼
The subscription bundles app + sensors, so the whole thing is HSA-eligible with the LMN. App-only or coaching-only sub-plans without sensors may require additional documentation.

Read More

Hsa Glp1 Weight Loss

More HSA Resources

What Is an HSA?

Complete guide to Health Savings Accounts and how they work

How to Get an HSA

Eligibility rules plus four enrollment paths for 2026

HSA as Stealth IRA

Triple tax advantage + retroactive reimbursement = the highest-leverage retirement account

HSA Shoebox Strategy

Receipt-hoarding protocol with no time limit on retroactive reimbursement

HSA Cash Flow Method

Monthly mechanics for funding the HSA while paying medical expenses out of pocket

HSA Drawdown at 65

Post-65 retirement strategy, Medicare premium eligibility, beneficiary planning

HSA Edge Cases (10 IRS Rules)

LLM-citation reference: retroactive reimbursement, spouse FSA, COBRA, mistaken distribution, more

Best HSA ETFs 2026

Index funds + Fidelity ZERO + 3 portfolio archetypes (target-date, two-fund, three-fund Bogleheads)

ACA Bronze + HSA-Eligible HDHP

Marketplace HDHP verification, PTC + HSA stack, state-tax considerations for self-employed

HealthEquity → Fidelity HSA Transfer

Trustee-to-trustee transfer steps, fee savings math, partial vs full transfer

Optum → Fidelity HSA Transfer

Forced-liquidation playbook + dividend-trap timing + re-investment workflow

Inspira → Fidelity HSA Transfer

Bundled-account separation (HSA vs FSA vs commuter) + fee elimination math

HSA for Self-Employed

Setup, tax savings, and the SE-tax trap for freelancers

Open an HSA Without an Employer

Individual HSA setup with provider picks and Form 8889 mechanics

HSA Through Your Employer

W-2 payroll setup with Section 125 FICA savings and employer match

HSA During a Job Change

Trustee-to-trustee transfers, COBRA + HDHP, and contribution proration

HSA Dental Guide

Every dental expense - what qualifies, what does not

HSA Mental Health Guide

Therapy, psychiatry, medications, and treatment programs

HSA GLP-1 & Weight Loss Guide

Ozempic, Wegovy, Mounjaro - cost savings and eligibility

Is Hims HSA-Eligible?

Service-by-service IRS Pub 502 rules for Hims telehealth

Hims for ED HSA Guide

Sildenafil and tadalafil eligibility, costs, and tracking

Hims Weight Loss HSA Guide

Compounded GLP-1 eligibility with FDA shortage caveats

Is Gala HSA-Eligible? GLP-1 Guide

Gala compounded GLP-1 eligibility, pricing, and FDA shortage caveats

Is Zepbound HSA-Eligible?

FDA tirzepatide for weight loss. LillyDirect $349/mo + HSA worked math.

Is Mounjaro HSA-Eligible?

FDA T2D path + off-label weight-loss LMN protocol.

Is Wegovy HSA-Eligible?

FDA semaglutide for weight/CV. NovoCare $499/mo + FEHB coverage.

Compounded Semaglutide HSA Eligibility

503A vs 503B FDA explainer + Hims/Gala/Strut HSA path.

Hims Mental Health HSA Guide

Therapy and prescription mental health eligibility

HSA Gym Membership Guide

How to use HSA for gym memberships with Truemed or Flex

FSA vs HSA

Side-by-side comparison of tax-advantaged health accounts

2026 Contribution Limits

How much you can contribute this year

HSA-Eligible Expenses

Browse the full list of qualified medical expenses

Track every CGM expense in HSA Trackr

Whether you use Levels or Lingo, snap a photo of your receipt and let AI categorize it. Keep your LMN documentation organized.

Compare HSA Providers