HRT Cost Estimator 2026
Enter your state, insurance status, and preferred dose form. We'll estimate your monthly out-of-pocket cost from 2026 retail and telehealth pricing data, then show which providers fit your situation.
How this estimate is built
We pull retail HRT pricing bands from publicly-disclosed sources — MenoHello's 2026 price-check tool, ClinicLayer's annual-cost rankings, and direct telehealth provider subscription pages. Insurance-adjusted estimates apply rule-of-thumb factors (20–50% of cash price for tier-1 generics on commercial plans). Illinois and Louisiana now mandate menopause coverage and get a downward adjustment.
This is a planning tool, not a medical or financial recommendation. Actual cost depends on your formulary tier, deductible status, and the specific medication your prescriber chooses. Use the estimate to ground your conversation with a clinician — then verify with your insurer.
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How Much Does HRT Cost? (full guide) · Menopause care without insurance · Compare all 41 telehealth providers