providers
HRT Cost in 2026: With and Without Insurance
See what HRT cost looks like in 2026: real monthly prices by hormone type, what insurance and Medicare cover, online clinic fees, and ways to pay less.
Evidence-based hormone health
Hormone therapy, explained without the noise.
PHLI Hormone Health turns the actual research on HRT into plain language: what it does, what it costs, what the risks really are, and how to talk to your clinician about it.
5+guides live, new ones publishing daily
7topic hubs, from menopause to TRT
10kwords of sourced, plain-language guidance
100%cited to NAMS, ACOG, FDA, NIH and peer review
Browse by topic
Seven hubs. Every HRT question.
01
HRT Explained and Getting Started
Plain-language guides to what hormone replacement therapy is, how it works, when to start, dosing, and what to expect. 1 guides live.
02HRT Types, Forms and Comparisons
Compare every form of HRT: patches, gels, pills, pellets, injections, creams, and rings, with the pros, cons, and costs of each.
03HRT Benefits, Side Effects and Conditions
What HRT does to your body: the benefits, the side effects, the risks, and how it interacts with specific health conditions. 1 guides live.
04Menopause, Natural and Bioidentical HRT
HRT for perimenopause and menopause, natural and bioidentical options, supplements, and how to find a menopause specialist. 1 guides live.
05Men's HRT and Testosterone Therapy
Testosterone replacement therapy and men's hormone health: how TRT works, side effects, costs, clinics, and what to expect.
06Gender-Affirming HRT
Feminizing and masculinizing hormone therapy: timelines, effects, providers, costs, and how to access gender-affirming care. 1 guides live.
07HRT Providers, Cost, Insurance and Online Clinics
How to get HRT: finding a provider near you, online HRT clinics, what treatment costs, insurance coverage, and clinic reviews. 1 guides live.
Latest guides
Fresh from the research.
hrt effects
Does Estrogen Cause Weight Gain? What the Evidence Says
Does estrogen cause weight gain? See what the research says about menopause, low estrogen, progesterone, and HRT, plus practical ways to manage it.
hrt guide
How Long Does the Estradiol Patch Take to Work?
How long does it take for an estradiol patch to start working? A clear week-by-week timeline, what speeds relief up, and when to call your doctor.
menopause
Winona HRT Review: Cost, Safety and Real Results
An honest Winona HRT review covering cost, products, safety, side effects and real customer results, plus how it stacks up against Alloy, Evernow and Gennev.
gender affirming hrt
MtF HRT: A Beginner's Guide to Feminizing Hormones
A clear MtF HRT guide: the estrogen and anti-androgen meds used, a realistic timeline of feminizing changes, what to expect early, and how to start.
Where to begin
Not sure where to start?
Read how we research, source, and review every guide, then start with the complete beginner's guide to HRT.