TRT cost without insurance

The short answer

A year of testosterone at 100 mg a week is 5,200 mg. In the 16 September 2026 CMS NADAC file, the cheapest widely-listed presentation — generic 200 mg/mL, 10 mL — is $3.65081 per mL, which is $0.0183 a milligram, so that year of drug costs $94.92: $7.91 a month. Medicare, arriving from a completely different direction, allows $0.023 a milligram under HCPCS J1071, which is $119.60 for the same year. The 6 online TRT plans recorded in our directory list $77.00 to $135.00 a month — 9.7× to 17.1× the drug. Neither federal figure is a price you can pay, and this page does not pretend otherwise. What they establish is the shape of the bill: without insurance, you are buying a prescriber, a pharmacy and a monitoring cadence, and the testosterone is a rounding error inside it.

The figures, and where each one comes from

What this page will not tell you

Each of these is missing because it could not be sourced, not because it was overlooked. Where a figure is unpublished, this page says so rather than estimating it.

• What your pharmacy will charge you in cash.

  NADAC is an acquisition cost — what the pharmacy paid, before its dispensing fee and before margin. No federal or commercial dataset publishes what pharmacies then charge a cash payer; the same NDC is quoted severalfold apart by two counters in the same town, and an average of unpublished numbers is not a figure. Ring two pharmacies, ask for the cash price on the 200 mg/mL 10 mL vial by name, and put what they say into the calculator.

• A GoodRx or discount-card price.

  Those resolve per ZIP code, per pharmacy and per card, and change without notice. A single number printed here would be wrong for most readers on the day they read it and stale by the following week. We print none, and we do not average them into one.

• A current rate for the brand 200 mg/mL Depo-Testosterone vial.

  Those NDCs carried a NADAC rate as recently as the 12 August 2026 release and are absent from the 16 September 2026 release this page is built on. We do not carry a delisted rate forward, and we do not quote a superseded one as current. The brand 100 mg/mL presentation is still priced and appears in the table below.

• What the blood work costs.

  A testosterone panel is a real and recurring line on this bill, and we could not source a list price we are prepared to stand behind — the direct-to-consumer lab pages we tried did not resolve, and the CPT-coded prices that are published are payer-negotiated rates rather than cash prices. The line is named here and left unpriced rather than filled with a plausible number.

• What a prescriber's consultation costs.

  Set clinic by clinic, with no published schedule anywhere. The subscription plans below fold it into the monthly and the pharmacy route does not, which is most of the reason the two cannot be compared on their headline figures.

• What TRT costs with insurance.

  This page is the cash case, by name. With coverage the bill turns on a documented hypogonadism diagnosis, then on a specific plan’s formulary tier, deductible and prior-authorisation rules, and on whether the monitoring labs sit under the same benefit. None of that is a national number and we will not invent an "average copay".

Why the drug is the cheap part

The honest way to read a testosterone price is from the bottom up. CMS contracts a monthly survey of invoice prices paid by retail community pharmacies and publishes the result weekly as the National Average Drug Acquisition Cost. It is not a consumer price and it is not meant to be one — it is what the pharmacy paid, which is why it is the only number in this whole market that can be checked. In the 16 September 2026 file, generic testosterone cypionate at 200 mg/mL in the 10 mL presentation is $3.65081 per mL across 10 NDCs. Divide by the strength and the entire drug cost of a 100 mg-a-week year is $94.92.

The second opinion comes from somewhere else entirely. Manufacturers report average sales price to CMS, CMS pays ASP plus six per cent, and the quarterly Part B payment limit for J1071 — "Inj testosterone cypionate", priced per milligram — is $0.023. A survey of pharmacy invoices and a formula over manufacturer-reported sales agree to within $0.0047 a milligram. When two methods that share no inputs land that close, the number is real, and the number is about two cents.

The same file shows the lever nobody mentions. Generic 100 mg/mL, 10 mL is $4.99547 per mL — cheaper per millilitre than nothing at all, but it carries half the testosterone, so it is $0.0500 a milligram against $0.0183. That is 2.7× the cost for the identical prescribed dose, at acquisition, before anyone has marked anything up. The 200 mg/mL rows with no package size stated are dearer again, and NADAC says why in its own explanation codes: "The NADAC was calculated based on package size." Smaller packages cost more per millilitre. The concentration and the pack size on your prescription move the medication line more than the pharmacy you choose does.

None of which changes what you will actually be billed. Between the $7.91 a month of drug and the $77.00 to $135.00 a month the online plans list sits the part no dataset covers: the dispensing fee, the pharmacy's margin, the prescriber, the monitoring, and the cost of someone being willing to write the prescription at all. That is what you are buying without insurance. It is a defensible thing to buy. It is just not testosterone.

A year of testosterone at the published reference prices

Drug only, at each rate in the 16 September 2026 CMS NADAC file plus the Medicare Part B payment limit. Read down for your weekly dose, across for the presentation on your label. Per month above, per year below.

Not what you will be charged. These are acquisition and payment-limit figures: no dispensing fee, no pharmacy margin, no syringes, no blood work, no prescriber. A year is 52 weeks and a month is a twelfth of it, not four weeks — costing by the four-week month understates every cell by 8.3%. The 50–200 mg weekly range sits inside the Depo-Testosterone label's replacement dose of 50 - 400 mg every two to four weeks; it is a cost axis, not a dosing recommendation.

The published rates these figures come from

Every testosterone cypionate row in the 16 September 2026 NADAC weekly reference file, grouped by strength, stated package size and brand-or-generic classification.

"Per mL" is the rate shared by the most NDCs in the group; where the group is not unanimous the full spread is shown beside it rather than averaged away. Two NDCs can share a description and not share a package size — in the 12 August 2026 file the same description covered both a 1 mL and a 10 mL brand vial at different rates — so a package size is shown only where the file's own description states one. Explanation code 1: "The NADAC was calculated using information from the most recently completed pharmacy survey." Code 5: "The NADAC was calculated based on package size."

The floor against what online TRT is listed at

Each provider's listed monthly for its testosterone plan, as recorded in our directory, set against $7.91 — the drug alone at 100 mg a week at the NADAC acquisition rate.

Ordered by listed price because that is how you look a price up. It is not an order of merit and the multiple in the last column is not a verdict — the subscription buys a prescriber, a pharmacy and in some plans the monitoring, none of which the drug figure includes, and these are not all the same treatment: some are injectable testosterone and some are enclomiphene. A listing that states no monthly rate is left out rather than guessed at. Verify the current price with the provider before you buy.

Frequently asked questions

How much does TRT cost without insurance?

There is no single number, and anyone who gives you one is guessing. What can be stated is the floor: in the 16 September 2026 CMS NADAC file the testosterone itself costs $0.0183 a milligram at pharmacy acquisition, so a 100 mg-a-week year is $94.92 of drug — $7.91 a month. The 6 online plans in our directory list $77.00 to $135.00 a month. The distance between those two numbers is the prescriber, the pharmacy and the monitoring, and it is where your entire bill lives.

Why can you state an acquisition cost but not a cash price?

Because one is published and the other is not. CMS contracts a monthly survey of invoice prices paid by retail community pharmacies and publishes the average weekly, per NDC, with a methodology document — that is the $3.65081 per mL figure on this page. What a pharmacy then charges a cash payer is set counter by counter, is not reported to anyone, and varies severalfold within a single town. We can cite the first. We decline to average the second into a figure that would look like a fact.

Is NADAC the price I can pay at a pharmacy?

No, and this is the single most important caveat on the page. NADAC is the acquisition cost — what the pharmacy paid its wholesaler. It contains no dispensing fee and no margin, and a pharmacy that sold at NADAC would lose money on every prescription. Treat $0.0183 a milligram as the number below which the drug does not exist, not the number you will be quoted. The useful question at the counter is how far above it their cash price sits.

Does Medicare say the same thing as NADAC?

Near enough to be convincing. Medicare's Part B payment limit for J1071, "Inj testosterone cypionate", is $0.023 per milligram for 2026-10-01 through 2026-12-31, computed as manufacturer-reported average sales price plus six per cent. NADAC's pharmacy-invoice survey says $0.0183. Two federal datasets with no shared inputs landing $0.0047 a milligram apart is about as close to a true cost as this market gets.

Is the 200 mg/mL vial really cheaper than the 100 mg/mL vial?

Yes, and by more than most people expect. In the same NADAC file, generic 200 mg/mL, 10 mL is $0.0183 a milligram and generic 100 mg/mL, 10 mL is $0.0500 — 2.7× as much for the identical prescribed dose, at acquisition, before any markup. Your milligrams do not change; the volume you draw halves. It is worth asking which concentration your pharmacy stocks and what it quotes for each.

Why is the online subscription ten times the drug cost?

Because the drug is not what the subscription sells. DudeMeds lists $77.00 a month, which is 9.7× the $7.91 of testosterone in it; Roman lists $135.00, which is 17.1×. What the extra buys is a prescriber willing to write and maintain the prescription, a pharmacy that will ship it, and in some plans the monitoring labs — and how much of that is included differs plan to plan, which is why the headline monthly figures are not comparable to each other either. Read what each one covers before you compare them.

What does this page not tell me?

Six things, listed on the page rather than quietly omitted: what your pharmacy will charge in cash, what a discount card will show, a current rate for the brand 200 mg/mL vial (those NDCs left the NADAC file after the 12 August 2026 release), what blood work costs, what a consultation costs, and what any of it costs with insurance. Each of those is missing because we could not source it, not because we forgot, and each entry says which dataset does not exist.

How many milligrams of testosterone will I use in a year?

Weekly dose times 52, not times 48. At 100 mg a week that is 5,200 mg; at 50 mg it is 2,600 mg and at 200 mg it is 10,400 mg. Dividing the yearly figure by 12 is the only correct way to get a monthly cost — treating a month as four weeks drops four weeks of drug out of every year and understates the bill by 8.3% before anything else goes wrong.

Sources

1. [1]
   CMS / Medicaid.gov — Retail Price Survey, the programme behind the NADAC files

   These pricing files, entitled the NADAC (National Average Drug Acquisition Cost) files, provide state Medicaid agencies with covered outpatient drug prices by averaging survey invoice prices from retail community pharmacies across the United States.

   Retrieved 2026-09-19

2. [2]
   NADAC weekly reference file, 16 September 2026 — the testosterone cypionate rows charted above (CSV, ~97 MB; the quoted line is the cheapest presentation)

   "TESTOSTERONE CYP 2,000 MG/10 ML",00409656220,3.65081,08/19/2026,ML,C/I,N,"1, 5",G,,,09/16/2026

   Retrieved 2026-09-19

3. [3]
   CMS — October 2026 Medicare Part B Drug Payment Limit File (ZIP; the quoted line is from the section 508 CSV)

   J1071,Inj testosterone cypionate,1 MG,0.023,20.000

   Retrieved 2026-09-19

4. [4]
   Alpha Health Finder online TRT provider directory — the listed monthly plans charted above, recorded by us from each provider

   DudeMeds "TRT (Commit & Save)" $77.00/mo through Roman "TRT" $135.00/mo, as recorded in src/data/online-providers.ts

   Retrieved 2026-09-19

5. [5]
   NADAC Data Field Definitions, Myers and Stauffer LC for CMS — the explanation codes printed beside each rate

   Code 5: The NADAC was calculated based on package size.

   Retrieved 2026-09-19

6. [6]
   DEPO-TESTOSTERONE (testosterone cypionate injection, USP) prescribing information, Pfizer, revised September 2025 — DOSAGE AND ADMINISTRATION, for the labelled range the weekly-dose rows sit inside

   For replacement in the hypogonadal male, 50 - 400 mg should be administered every two to four weeks.

   Retrieved 2026-09-19

Next steps

• TRT cost calculator
• Compare online TRT providers
• Testosterone cypionate dosing
• Testosterone dosage chart