7 Ways to Get Tirzepatide Without Insurance (2026)

Tirzepatide without insurance: which option fits you

Almost no one without insurance pays the list price of about $1,085 a month. Start with the line that sounds like you.

• You want the lowest monthly price: Eden, about $130 a month at every dose, with no membership.
• You want the cheapest first month: Mochi Health, about $90, then about $170 a month at the lowest dose. The price rises with the dose.
• You want no membership fee and a tablet option: Curex, from about $250 a month month to month, with the visit and shipping included.
• You want the FDA-approved drug: LillyDirect, about $300 to $450 a month by dose.
• You want a pill instead of a shot: Curex and Henry Meds both sell a tirzepatide tablet. Curex starts lower.
• You want coaching built in: Fridays, about $240 a month on a yearly plan.
• You want one price at every dose and can prepay a year: Found, about $240 a month, care included.
• You are on Medicare Part D: the GLP-1 Bridge gives the Zepbound KwikPen for $50 a month if you qualify.

The big choice is brand versus compounded. LillyDirect sells the real, FDA-approved drug. Compounded tirzepatide is made by a pharmacy for each patient. It is not FDA-approved as a finished product, but it often costs less. Our compounded tirzepatide guide explains the rules.

LillyDirect Zepbound: the brand name at its lowest self-pay price

Eli Lilly sells Zepbound directly to people who pay cash. The KwikPen and the single-dose vial cost the same. Since March 2026, major retail pharmacies also sell the KwikPen at this price. A month here means a 28-day supply.

• 2.5mg starter dose: about $300 a month.
• 5mg: about $400 a month.
• 7.5mg up to 15mg: about $450 a month.

One timing rule matters. From 7.5mg up, you keep that price only if you refill within 45 days of your last delivery. Miss it and a 7.5mg fill costs about $500. Higher doses cost about $700. Set a reminder when your first supply arrives.

• Pros: the FDA-approved drug; clear prices by dose; no insurance or membership needed.
• Cons: the 45-day refill rule is strict; higher doses cost more than most compounded programs.
• Best for: women who want brand-name tirzepatide and can keep to the refill schedule.

Curex: no membership, one all-in price

Curex puts the medicine, the online visit and shipping in one price. There is no membership. You can choose a weekly shot or a tablet that dissolves under the tongue.

Its "from $199" headline needs a year paid upfront, at the lowest dose. Month to month, the tablet costs about $250 and the shot about $300 at the starting dose. Both cost about $100 more at higher doses, including the maintenance dose you stay on long term.

• Pros: no membership; visit and shipping included; shot or tablet.
• Cons: compounded, not FDA-approved as a finished drug; the low price needs a year paid upfront.
• Best for: price-first shoppers who accept a compounded product.

Mochi Health: the cheapest first month, with a care team

Since August 15, 2026, Mochi Health prices compounded tirzepatide by dose. The medicine costs $90 a month at the lowest dose. It reaches about $200 at the top dose. A $79 monthly membership comes on top.

All in, that is about $170 to $280 a month. In most states, new members get the first month of membership free, so month one costs about $90. The membership pays for clinician check-ins and care coordination. Mochi now fills orders through several pharmacies, and the medicine price can vary by pharmacy.

• Pros: the cheapest first month here; clinician check-ins included; month to month.
• Cons: the price rises with the dose; the membership is billed on top of the medicine; compounded.
• Best for: women who want a low-cost start and an active care team.

Henry Meds: a pill, no membership

Henry Meds puts the medicine and the visits in one price, with no membership. The tirzepatide pill costs about $350 a month. It is billed as a 3-month supply, about $1,045 each time. Paying for those 3 months in full lowers the bill to about $890.

Henry no longer lists a tirzepatide shot. Henry says its price can change with your dose. The pill costs more than the cheapest compounded programs.

• Pros: pill or shot; one bill, no membership.
• Cons: the pill is billed 3 months at a time; costs more than the cheapest compounded options; compounded.
• Best for: women who want a pill and are fine paying for 3 months at a time.

Fridays: compounded tirzepatide with coaching built in

Fridays costs about $390 a month if you go month to month. On a yearly plan paid upfront, it drops to about $240 a month. Both prices include coaching, a dietitian and the app.

If you would otherwise pay for that support separately, the bundle is better value than the bare number suggests. But the low price needs a full year paid upfront, so weigh that first.

• Pros: coaching and dietitian included; low monthly cost on the yearly plan.
• Cons: the best price needs a year upfront; compounded.
• Best for: women who want support around the prescription, not just the drug.

Found: one all-in price at every dose, less on a yearly plan

Found's compounded tirzepatide comes at one price that covers care, medicine and membership. The price stays the same as your dose rises, and you are billed every 28 days.

• Month to month: about $360 a month, with a first month of about $220.
• 3 or 6 months: about $310 or about $290 a month.
• 12-month plan, paid up front: about $240 a month.

The membership fee is refundable only within 3 days of buying, or before your first visit. If you have commercial insurance, Found can bill it for your visits. That brings the plan to about $180 to $290 a month, plus a visit copay of about $30. See our Found review.

• Pros: one price at every dose; care, medicine and membership in one bill; brand-name Zepbound also available.
• Cons: the low price needs a year paid up front; month to month it costs more than Mochi or Eden; compounded.
• Best for: women ready to commit for a year who want a price that stays put.

Eden: the lowest monthly price, the same at every dose

Eden charges about $130 a month, all in, and the price stays the same at every dose. There is no membership and no prepay. In June 2026, the FDA sent Eden a warning letter over how it described its compounded products. Its BBB rating is F, with a flagged pattern of billing complaints. See our Eden review.

• Pros: the lowest monthly price here; the price does not climb with the dose; no membership.
• Cons: FDA warning letter over its marketing; BBB rating F; compounded.
• Best for: women who want the lowest steady price.

Is there a free tirzepatide program?

Not right now. Lilly Cares is Lilly's charity that gives free medicine to some people with low incomes. Its current list of medicines does not include Mounjaro or Zepbound.

If you have type 2 diabetes, the list does include Trulicity. It is an older weekly shot from the same drug family. Your prescriber can help you apply.

How much does tirzepatide cost per year without insurance?

Here is the first-year cost of each route. Where the price changes with the dose, the totals follow the usual dose steps.

• Mochi Health: about $1,950 if you stay at the lowest dose all year. About $2,970 if you step up one dose a month to the top.
• Curex: about $2,390 for a year paid upfront at the lowest dose, about $3,590 at higher doses.
• Fridays, yearly plan: about $2,880 a year.
• Found, 12-month plan: about $3,110 a year. About $4,530 month to month.
• Eden: about $1,550 a year, the same price every month.
• Henry Meds pill: about $4,190 a year, or about $3,565 if you pay each 3-month supply in full.
• LillyDirect: about $5,650 if you reach 7.5mg by your third fill. About $5,100 if you stay at 5mg. Both count 13 fills of 28 days.
• Retail list price, no program: about $14,100 a year.

Do Mounjaro savings cards work without insurance?

No. The Mounjaro savings card needs commercial insurance, meaning a plan from an employer or one you buy yourself. If that plan does not cover Mounjaro, the card can bring it to about $500 a month. With no insurance at all, Lilly sells Mounjaro through LillyDirect for about $500 a month at every dose. Lilly's self-pay Zepbound costs less, about $300 to $450.