HSA Trackr

Strut Health vs Hims HSA Comparison (2026)

Telehealth focused on hair loss, ED, skincare, and men's and women's health with compounded formulations.

Telehealth for men: ED, hair loss, mental health, primary care, weight loss.

HSA Eligibility at a Glance

Strut Health

HSA-eligible

Strut provider visits and most prescriptions they issue are HSA-eligible (Strut prescribes during the consult). Hair-loss meds are the exception: per IRS Pub 502 cosmetic-exclusion language, prescription finasteride and minoxidil sit in a gray area and most readers should treat them as not eligible without a Letter of Medical Necessity. Strictly cosmetic OTC products without a prescription are not eligible regardless.

Hims

HSA-eligible

Hims visits and prescription medications they dispense are HSA-eligible (Hims prescribes during the telehealth visit). Hair-loss meds are the cosmetic-gray-area exception per IRS Pub 502; treat as not eligible without an LMN. See /guides/is-hims-hsa-eligible for the full IRS analysis. Cosmetic products without a prescription are not eligible.

Pricing

Strut Health

Custom compounded hair Rx from $35/mo. ED meds $2-$20/dose. Visit costs vary.

Hims

Consultation included with subscription. Medications $10-$40+/mo.

Which Should You Pick?

When to choose Strut

  • You want custom compounded hair loss formulas (finasteride + minoxidil + others)
  • You're interested in compounded skincare or ED options
  • You prefer per-prescription pricing rather than a subscription

When to choose Hims

  • You want a recognized brand with standardized generic Rx
  • You're managing multiple needs (hair, ED, mental health) on one platform
  • You prefer subscription pricing with predictable monthly cost

Visit Each Vendor

Disclosure: HSA Trackr earns a commission if you sign up or buy through these links. It doesn't change what you pay. We only feature providers we'd recommend without the commission.

Visit Strut HealthVisit Hims

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Common Questions

Are Strut and Hims HSA-eligible?▼
Mostly yes, with one caveat. Provider visits and most prescriptions from both qualify as HSA-eligible medical expenses. The exception is hair-loss medication: IRS Pub 502 explicitly names hair transplants and hair removal as cosmetic and excluded, and audits historically lean cosmetic for prescription finasteride and minoxidil too. Safer default: treat hair-loss Rx as not HSA-eligible without a Letter of Medical Necessity. OTC-only or strictly cosmetic items are not eligible regardless.
What's different about Strut's compounded formulas?▼
Strut combines multiple active ingredients into one custom topical Rx, often more effective than single-ingredient generics. Hims uses standard FDA-approved generics.
Which is cheaper for hair loss treatment?▼
Hims generic finasteride starts around $10-$25/mo. Strut compounded formulas start at $35/mo but combine multiple ingredients into one bottle.
Can I use HSA for compounded prescriptions?▼
Yes. Compounded prescriptions from a licensed pharmacy with a valid Rx are HSA-eligible.
Do they accept HSA cards directly?▼
Both accept HSA/FSA debit cards at checkout. You can also pay with a regular card and reimburse from your HSA later.
How do I track these in HSA Trackr?▼
Set up a recurring expense for each subscription. Attach the monthly invoice and prescription label so the record is complete.

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