How much does HRT cost in 2025?

TL;DR — How Much Does HRT Cost in 2025?

• 💊 HRT costs in 2025 typically range from $45 to $199/month, depending on the provider, medication type, and whether lab work is required.
• 🧴 Inner Balance offers a vaginal estrogen cream at $199/month for the first 6 months, then $99/month — no lab tests or prescriptions required.
• 💻 Winona provides pills, creams, and patches, starting around $45/month (pills) up to $126/month (patches). Includes at-home lab test.
• 💬 Wisp charges a $99 one-time consult fee, with hormone prescriptions offered after — prices vary by medication and pharmacy, no labs needed.
• 🧪 Hone Health offers two plans:
  • Basic: $25/month (no labs or consults, meds extra)
  • Premium: $149/month (includes labs, consults, personalized care — meds billed separately)
• 💵 Most HRT is not insurance-covered through online providers, but HSA/FSA can be used in many cases.

How much does HRT cost in 2025?

Hormone Replacement Therapy (HRT) is one of the most effective tools available for managing symptoms of menopause and perimenopause — from hot flashes and night sweats to vaginal dryness, brain fog, and mood swings.

But with more women turning to online telehealth clinics for hormone care, one big question keeps coming up:

“How much does HRT actually cost in 2025?”

The short answer: It depends. The type of treatment, where you get it, and whether you need lab work can all affect your final price. This guide includes the real costs of popular online HRT brands like Inner Balance, Winona, Wisp, and Hone Health.

We’ll also show how these services differ, what you’re paying for, and why Inner Balance stands out for women who want a simple, local solution that doesn’t require invasive tests or synthetic hormone combos.

What Is HRT and Who Is It For?

Hormone Replacement Therapy (HRT) is used to supplement estrogen, progesterone, or both hormones that naturally decline during perimenopause and menopause.

For many women, this drop in hormones can trigger a range of disruptive symptoms:

• Hot flashes and night sweats
• Vaginal dryness or pain during sex
• Mood swings or irritability
• Brain fog or trouble focusing
• Sleep disturbances
• Fatigue
• Low libido
• Weight gain, especially around the midsection

If these sound familiar, you’re not alone. An estimated 80% of women experience moderate to severe menopause symptoms, often for years. And while HRT isn’t right for everyone, for many women it’s a safe, effective, and fast-acting treatment.

There are two main types of HRT:

• Systemic HRT (e.g., pills, patches, creams): Travels through the bloodstream to treat full-body symptoms like hot flashes, night sweats, and mood changes.
• Local HRT (e.g., vaginal estrogen creams or rings): Targets symptoms like vaginal dryness and painful sex without affecting the entire body.

HRT can be bioidentical (compounded to match your natural hormone structure) or conventional (like Premarin or other FDA-approved formulations). Most telehealth brands today lean toward bioidentical hormone therapy (BHRT).

Section 3: Average Cost of HRT in 2025 — Verified Brand Pricing

Key Details by Brand

Inner Balance

• Cost:
  • $199/month for the first 6 months
  • $99/month thereafter
• Includes: Vaginal estrogen cream, no lab work or prescriptions required, discreet delivery
• Best for: Women seeking a local (non-systemic), non-invasive solution
• HSA/FSA Eligible: Yes

Winona

• Cost Range:
  • Pills: ~$45/month
  • Creams: ~$75/month
  • Patches: ~$126/month
• Includes: Bioidentical HRT (systemic) with progesterone where needed; prescriptions tailored by provider
• Lab Work: Required (at-home test included with plan)
• HSA/FSA Eligible: Some treatments may qualify

Wisp

• Cost:
  • $99 one-time consult (includes 3 months of provider support)
  • Prescription cost varies depending on pharmacy, delivery method (patches, creams, suppositories)
• Lab Work: Not required
• Best for: Affordability and fast access without testing
• HSA/FSA Eligible: Yes

Hone Health

• Plans:
  • Basic: $25/month (medication costs separate; no labs or consults)
  • Premium: $149/month (includes advanced labs, consults, ongoing care — medications billed separately)
  • Startup Lab Fee: $60 one-time
• Best for: Women looking for fully data-driven, physician-led care plans
• HSA/FSA Eligible: Yes (most services and meds)

Summary

• Most affordable entry point: Winona (if choosing pills) or Wisp (if Rx cost is low).
• Most comprehensive medical care: Hone Health (Premium plan).
• Best value for local symptom relief without testing: Inner Balance.

Comparing Top Online HRT Services in 2025

With more women turning to telehealth for hormone support, the differences between providers matter more than ever. Here’s how four major platforms stack up in cost, approach, and who they’re best suited for.

Inner Balance

• Type of Treatment: Vaginal estrogen cream (non-systemic)
• Cost: $199/month (first 6 months), then $99/month
• Labs Required: ❌ No
• Best For:
  • Vaginal dryness
  • Painful sex
  • Localized estrogen support without systemic effects
• Standout Features:
  • No lab work or blood tests
  • Simple daily cream
  • Unlimited physician support
  • HSA/FSA eligible
  • 6-month money-back guarantee

Our top picks for August 2025

Inner Balance

• Reclaim your energy
• Money back guarantee

After month 6, pay $99/mo for life

Visit Site

Why it stands out:
Inner Balance is ideal for women seeking effective relief from localized symptoms with fewer steps, less cost over time, and no invasive testing. It’s discreet, easy to start, and provides ongoing support.

Winona

• Type of Treatment: Pills, creams, patches (systemic bioidentical HRT)
• Cost:
  • Pills: ~$45/month
  • Creams: ~$75/month
  • Patches: ~$126/month
• Labs Required: ✅ Yes (at-home test)
• Best For:
  • Women seeking full-body relief (hot flashes, night sweats, mood, etc.)
  • Those comfortable with regular lab monitoring
• Standout Features:
  • Wide range of HRT delivery options
  • Progesterone included when needed
  • Tailored treatment plans based on labs

Our top picks for August 2025

Winona

• Available in over 35 US states
• 100% online telehealth company

HSA/FSA-eligible compounded treatments

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Why it stands out:
Winona offers the most variety for systemic HRT and includes lab-based personalization, which is great for women seeking full-body relief.

Wisp

• Type of Treatment: Creams, patches, suppositories (Rx varies)
• Cost: $99 one-time consult + variable Rx costs
• Labs Required: ❌ No
• Best For:
  • Women on a budget
  • Those needing quick access to prescriptions
• Standout Features:
  • Same-day consults
  • 3-month provider access
  • Flexible delivery or pharmacy pickup
  • HSA/FSA eligible

Our top picks for August 2025

Wisp

• HSA/FSA-eligible plans
• Judgment-free, inclusive women

HSA and FSA eligible treatments

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Why it stands out:
Wisp offers a fast, affordable way to begin HRT with minimal barriers. While less comprehensive than others, it’s a solid choice for women who want access without the wait.

Hone Health

• Type of Treatment: Systemic hormone optimization (for women & men)
• Cost:
  • Basic: $25/month (no labs or consults)
  • Premium: $149/month + $60 labs + med costs
• Labs Required: ✅ Yes (Premium plan)
• Best For:
  • Women wanting a deeply personalized, data-driven plan
  • Those managing multiple concerns (thyroid, energy, weight, etc.)
• Standout Features:
  • Tests 40+ biomarkers
  • Ongoing physician consults
  • Full treatment personalization every 90 days

Our top picks for August 2025

Hone Health

• Personalized hormone care
• At home convenience

Flexible plans to fit your lifestyle

Visit Site

Why it stands out:
Hone is ideal for women who want comprehensive, long-term hormone and wellness tracking, though it comes at a higher cost and doesn’t include meds in the base price.

Quick Comparison Snapshot

Final Thoughts — Why Inner Balance Might Be the Smart Choice

Suppose you're looking for a low-friction, high-impact solution to address vaginal dryness, painful sex, or other local symptoms of perimenopause and menopause. In that case, Inner Balance stands out for one simple reason: it works without the complexity.

You don’t need blood tests.
You don’t need to guess your hormone levels.
You don’t even need to go to a pharmacy.

With Inner Balance, you get vaginal estrogen cream designed to restore comfort and confidence — delivered discreetly, supported by physicians, and priced to drop after six months. It’s built for women who want relief without the runaround.

It’s not the only HRT option, but for many women, it’s the right one to start with.

Why Women Choose Inner Balance:

• No lab work or prescriptions needed
• Estrogen delivered locally, not system-wide
• Flexible pricing: $199/month to start, drops to $99/month
• Backed by a 6-month money-back guarantee
• HSA/FSA eligible

Want to see if it’s right for you?
Learn more about Inner Balance →

Frequently Asked Questions

Q. How much does HRT cost per month?
A. Costs vary widely depending on delivery method, brand, and whether insurance is involved—ranging from as little as $10/month to over $500/month, or more for compounded bioidentical hormones.

Q. Is HRT covered by insurance?
A. It depends. Insurance may cover doctor visits and lab work, especially if deemed medically necessary. However, compounded bioidentical hormones are often not covered.

Q. What are the main types of HRT and their costs?
A. Common forms include:

• Pills: ~$15–$50/month
• Patches: ~$25–$100/month
• Creams/gels: ~$30–$100/month
• Pellet implants: Higher upfront cost of several hundred dollars, lasting several months

Q. Are there affordable subscription models for HRT?
A. Yes. Some telehealth services offer bundled memberships around $150/month, while others charge for consults separately and let you pay only for the medications you need.

Q. How can I reduce HRT out-of-pocket expenses?
A. Options include choosing generic medications, using HSA/FSA funds, selecting plans that don’t require lab work, and enrolling in services with transparent flat-rate pricing.

Q. Is HRT safe?
A. When prescribed appropriately and monitored, HRT is generally safe and effective for many women. Bioidentical hormones are often well tolerated, but any treatment should be evaluated with a licensed provider.