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.

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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.

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