TRT cost without insurance: monthly and first-year prices compared

Without insurance, online TRT starts at $79 a month all in today at PeterMD. That is the monthly figure. The first year costs more than twelve times it at most programs, because one-time start fees such as a first lab test or consult are added on top. The tables below add those parts up for each program, from each program's own pricing page.

Almost every online program is cash pay, so for most buyers "without insurance" is simply the normal price. The live, all-in monthly price for every program sits on our TRT price table. This guide does the yearly math and explains where the money goes.

TRT cost per month without insurance

The monthly price depends on three choices: the program, the form of testosterone, and how many months you prepay. The cheapest injection plan by program right now is $79 (PeterMD). Oral and cream options cost more at most programs; the lowest oral plan is $149.99 a month (Maximus).

Some programs quote one price that includes the clinician, the medication and shipping. Others quote the medication alone and add a membership at checkout. Hims, for example, says on its testosterone page that the membership fee is paid at checkout and the medication cost is not included (hims.com). Male Excel notes that "Treatment requires purchase of an online medical consultation" (maleexcel.com). Our monthly figures always add the required membership. For a part-by-part breakdown of each fee, see our guide to how much TRT costs online.

TRT cost per year: the first twelve months

The table below adds twelve months of the lowest published plan to any one-time first lab or consult fee. These are the cheapest paths we could build from each program's published prices, read on October 26 and 27, 2026. They leave out shipping where the program does not price it, and follow-up labs where the program does not publish them.

Brightmeds is left out of the yearly table: its page says the plan price rises on the second payment, and we could not confirm the later price without starting a checkout (brightmeds.com). Prices change; the live price table shows today's monthly figure for each program.

Month to month vs prepaying

The lowest monthly prices come with a prepaid plan. If you pay month to month, the first year costs noticeably more at the two programs that publish both prices:

Prepaying is a bet that TRT suits you. PeterMD's refund policy says purchases are final once medication is received (refund policy). If you have never been on testosterone, paying more for the first month or two and switching to a longer plan once you know how you respond is the lower-risk order.

The second year usually costs less

The one-time fees above fall away after the first year, so year two is closer to twelve times the monthly price. Lab monitoring does not stop, though. The Endocrine Society guideline says "Clinicians should monitor men receiving T therapy using a standardized plan" that includes measuring serum testosterone (Bhasin et al., J Clin Endocrinol Metab 2018), so a program that charges for every follow-up test adds that cost each year. Programs that include follow-up labs (Taurus, Hone, GoodLife, and Hims within its membership) have a more predictable second-year bill.

Can you use an HSA or FSA for TRT?

Often, yes, for the prescription itself. IRS Publication 502 says "You can include in medical expenses amounts you pay for prescribed medicines and drugs" (IRS Publication 502). For health savings accounts, IRS Publication 969 explains that "Qualified medical expenses are those specified in the plan that would generally qualify for the medical and dental expenses deduction" (IRS Publication 969).

Two programs in our table state they accept FSA or HSA cards: PeterMD and Male Excel. Whether a membership fee counts, as opposed to the medication and lab tests, depends on your plan administrator, so keep the itemized receipt and ask before you rely on it. An HSA or FSA does not lower the price; it lets you pay with pre-tax money.

Is TRT cheaper with insurance at a local doctor?

Sometimes, yes. A 2022 study compared a year of testosterone injections through three telemedicine platforms with care at one hospital center, modeling a patient with no insurance, private insurance or Medicare. It found that "the cost of 12 months of intramuscular testosterone treatment was highest via the telemedicine platforms" (Jesse et al., J Sex Med 2022).

The evidence is thin: the authors list "the analysis of only three telemedicine platforms" as a limitation, and the hospital figures come from a single institution's cost estimator (Jesse et al., J Sex Med 2022). The abstract gives one range across insurance types, so it does not show the uninsured hospital cost on its own. Treat it as a reason to ask your own doctor for a quote, not as a precise comparison.

What drives the price up or down

• Compounded vs FDA-approved. Most low prices are for compounded testosterone, which the FDA says is not FDA-approved (FDA). FDA-approved generics and brands cost more at the programs that sell both.
• Injection vs cream vs pill. Injections are the cheapest form at most programs; the oral brands cost the most.
• Labs inside or outside the price. A cheaper monthly plan with paid labs can cost more over a year than a pricier plan with labs included.
• Plan length. Six- and twelve-month plans lower the monthly rate but tie up money you may not get back.

Online access after 2026

Testosterone is Schedule III. A DEA rule lets clinicians prescribe controlled drugs by telemedicine without an in-person visit "January 1, 2026 through December 31, 2026" (Federal Register). If no permanent rule or further extension follows, an in-person visit could be required again, which would add a cost none of these prices include. Our guide to how TRT online works explains the rule.

FAQ

How much is TRT without insurance?

Online programs start at $79 a month all in today, on the cheapest plan we track. Over a first year, the programs in our table range from roughly twelve hundred to over three thousand dollars once the first lab test and any membership are added. The price table has the current figure for each program, linked to its source page.

How much is TRT a month?

The monthly price depends on the program, the form of testosterone and the plan length. Injections on a prepaid plan are the cheapest; month to month and FDA-approved brands cost more. The lowest injection plan right now is $79 a month, and the best TRT programs page ranks programs on price, care and transparency together.

Why is the first year of TRT more expensive?

Most programs charge a one-time fee to start: a first lab test, a first consult, or a yearly lab panel. Those fees land in the first months. Some programs also bill a lower price only on prepaid plans, so a buyer who starts month to month pays more until switching to a longer plan.

Can I pay for TRT with my HSA or FSA?

Prescribed drugs generally count as medical expenses under IRS Publication 502, and PeterMD and Male Excel say they accept FSA or HSA cards. Whether a program's membership fee also qualifies depends on your plan, so keep the itemized receipt and confirm with your plan administrator first.

Is online TRT cheaper than going to a doctor?

Without insurance, an online program can be comparable to or cheaper than paying cash at a clinic, but with good insurance a local doctor is often cheaper. A 2022 study of three platforms and one hospital found a year of injections cost more through the platforms. The study was small, so ask your own doctor for a quote.

Do online TRT programs take insurance?

Rarely. Hims and Male Excel say they do not take insurance, and most others are cash pay. PeterMD may bill insurance for lab work on request. Our TRT cost guide lists how each program handles insurance, labs and memberships.

See every program's all-in monthly price on our TRT price table, or compare the top-ranked programs on our best TRT programs page.