HSA Trackr

Stelo vs Levels HSA Comparison (2026)

Dexcom's over-the-counter continuous glucose monitor with biosensor and app for non-diabetics.

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

HSA Eligibility at a Glance

Stelo

HSA-eligible (LMN required)

Stelo CGM sensors are HSA-eligible with an LMN tying the device to a diagnosed condition like prediabetes or metabolic syndrome.

Levels

HSA-eligible (LMN required)

Levels subscription (sensors plus app and coaching) is HSA-eligible with an LMN. Levels facilitates LMN issuance at signup.

Pricing

Stelo

Two sensors (~28 days) for $89. Subscription option saves about 10%.

Levels

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

Which Should You Pick?

When to choose Stelo

  • You want the lowest-cost Dexcom-grade CGM access
  • You don't need coaching or guided programs
  • You prefer the Dexcom app over a third-party experience

When to choose Levels

  • You want nutritionist and coach support built into the price
  • You want a deeper analytical app with food-response insights
  • You're optimizing for athletic performance or longevity, not just monitoring

Visit Each Vendor

Visit SteloVisit Levels

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Common Questions

Are Stelo and Levels HSA-eligible?▼
Both qualify with a Letter of Medical Necessity. Levels handles LMN issuance during signup. Stelo buyers may need to source an LMN separately.
Is the sensor the same?▼
Levels uses Dexcom G7 and Stelo sensors. Stelo is Dexcom's direct OTC product. The sensor technology overlaps significantly.
Which is cheaper?▼
Stelo is dramatically cheaper at about $89 for two sensors (~28 days). Levels is $199/mo but includes the app, coaching, and program structure.
Do I need a prescription?▼
No, both are OTC as of 2024 approval. You still need an LMN to make the purchase HSA-eligible.
How do I get an LMN for Stelo?▼
Ask your primary care doctor or use a service like Truemed that issues LMNs for CGMs based on a brief intake.
Can I track Stelo or Levels expenses in HSA Trackr?▼
Yes. Set up the monthly purchase as a recurring expense, attach the LMN PDF, and keep your receipts in one place.

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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 Stelo or Levels, snap a photo of your receipt and let AI categorize it. Keep your LMN documentation organized.

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