Chapter 01 · How it works
Why pre-tax dollars stretch further
A health savings account (HSA) and a flexible spending account (FSA) let you set aside money before income tax and spend it on eligible medical costs. Because that money is never taxed, a dollar in your HSA or FSA goes further than a dollar from your regular paycheck. Your savings are roughly what you spend multiplied by your tax rate. The IRS sets the rules for what qualifies and how much you can contribute each year.1
Whether a GLP-1 medication is an eligible expense depends on your plan and, in some cases, a letter of medical necessity from your clinician. Many plans cover prescription weight-management medication when it is prescribed for a medical reason, but this varies, so confirm with your benefits administrator before you count on it.
| Plan | Monthly | How the savings work |
|---|---|---|
| Sipra semaglutide | $79/mo | Annual cost times your tax rate |
| Sipra tirzepatide | $179/mo | Annual cost times your tax rate |
Sipra's price is fixed per molecule and does not change with dose. 6-month plan · $99/mo membership billed separately.
Chapter 02 · The fine print
What this estimate is not
This is a simple illustration, not tax advice. Your real savings depend on your actual marginal rate, your plan's eligibility rules, contribution limits, and whether a medication qualifies. Account types differ too: FSA funds are often use-it-or-lose-it within a plan year, while HSA funds usually roll over. A tax professional or your benefits administrator can confirm the specifics for your situation.
The number above is a planning estimate. Eligibility for a medication and for pre-tax payment are separate questions a clinician and your plan administrator answer. Individual results vary.
