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

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

Stelo is sold without a prescription and says HSA/FSA funds can be used. Keep the device receipt and medical-purpose documentation appropriate to your facts.

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 the membership and sensor charges should be evaluated separately.

Pricing

Stelo

$89 monthly, $252 three-month, or $99 one-time

Levels

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

Which Should You Pick?

When to choose Stelo

  • You want the lowest-cost Dexcom-grade CGM access
  • You want Stelo's included AI-powered app coach
  • You prefer the Dexcom app over a third-party experience

When to choose Levels

  • You want a separate app membership for food logging and glucose-response insights
  • You want a deeper analytical app with food-response insights
  • You want the option to add a nutritionist session separately

Visit Each Vendor

Visit SteloVisit Levels

Related Comparisons

Levels vs. Lingo

Dexcom vs. Levels

Truemed vs. Flex

Truemed vs. Sika

Common Questions

Are Stelo and Levels HSA-eligible?▼
They may qualify when used for a specific medical purpose and supported by appropriate documentation. Stelo says HSA/FSA funds can be used, and Levels describes a Truemed evaluation path, but neither statement guarantees reimbursement for your facts.
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 currently lists $89 per subscription shipment or $99 one-time. Levels currently lists a $15 monthly or $80 annual software membership, with Stelo offered separately at the same $89 or $99 price points. Compare the same sensor cadence plus the membership.
Do I need a prescription?▼
Stelo is over the counter, and Levels' current consumer sensor offer uses Stelo. No-prescription access does not make a general-wellness purchase automatically HSA-eligible.
How do I get an LMN for Stelo?▼
Ask the clinician treating the condition you plan to monitor. A merchant evaluation may also be available, but the resulting document must support a real medical purpose and still does not guarantee administrator approval.
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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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