5-year cost projections

Conservative (best-case insured) vs aggressive (worst-case uninsured) cumulative cost projections over 5 years per treatment type. Plan ahead. Always verify directly with insurer + provider.

HRT (FDA-approved, insured)

5-yr cumulative: $1,100 (conservative) — $3,300 (aggressive)

$0$825$1,650$2,475$3,300Year 1Year 2Year 3Year 4Year 5
Conservative (insured / efficient)Aggressive (uninsured / premium)

HRT (compounded, cash-pay)

5-yr cumulative: $5,500 (conservative) — $10,000 (aggressive)

$0$2,500$5,000$7,500$10,000Year 1Year 2Year 3Year 4Year 5
Conservative (insured / efficient)Aggressive (uninsured / premium)

GLP-1 (Wegovy/Zepbound, insured)

5-yr cumulative: $4,000 (conservative) — $11,000 (aggressive)

$0$2,750$5,500$8,250$11,000Year 1Year 2Year 3Year 4Year 5
Conservative (insured / efficient)Aggressive (uninsured / premium)

GLP-1 (compounded, cash-pay)

5-yr cumulative: $14,000 (conservative) — $24,000 (aggressive)

$0$6,000$12,000$18,000$24,000Year 1Year 2Year 3Year 4Year 5
Conservative (insured / efficient)Aggressive (uninsured / premium)

PCOS (metformin + spiro)

5-yr cumulative: $400 (conservative) — $1,500 (aggressive)

$0$375$750$1,125$1,500Year 1Year 2Year 3Year 4Year 5
Conservative (insured / efficient)Aggressive (uninsured / premium)

Thyroid (levothyroxine)

5-yr cumulative: $400 (conservative) — $1,200 (aggressive)

$0$300$600$900$1,200Year 1Year 2Year 3Year 4Year 5
Conservative (insured / efficient)Aggressive (uninsured / premium)

Use these projections carefully

Inflation, formulary changes, and insurance shifts all affect actual costs. Use as a planning baseline, not binding estimate. Pair with budget planner for year-1 specifics.