Is Function Health Worth It in 2026? Cost, Add-Ons and My Verdict

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Updated September 17, 2026

Is Function Health worth it? After four rounds of Function Health testing since August 2024, my answer is yes, with conditions. Whether it is worth it for you comes down to three numbers most reviews never put in one place: what the membership costs, what the add-ons cost and what it costs to re-test a single marker between draws.

This is not a walkthrough of my results (my full Function Health review covers the biomarkers, the clinician notes and the screenshots). This page is about the money: every price, where the cost quietly climbs and who should skip the membership entirely.

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What Function Health Costs in 2026

Function Health costs $365 per year, or $340 with my reader link. That covers two blood draws at Quest Diagnostics, 160+ lab tests across the year, clinician-reviewed notes after each round, a biological age calculation, AI health coach access and a dashboard that tracks every marker across rounds. There are no per-test fees and no separate charge for the notes or the biological age score.

That $365 is down from the $499 launch price. The membership is HSA and FSA eligible, so paying with pre-tax dollars cuts the effective cost by roughly 25 to 35 percent depending on your bracket. Stack that with the $25 reader discount and your real out-of-pocket lands somewhere around $221 to $255 for the year.

Two caveats the pricing page does not lead with. Residents of New York and New Jersey pay more because of state lab regulations, so check what applies where you live before you sign up. And your first draw runs the full panel of 100+ markers while your follow-up draw repeats roughly 60 of them, which is how 160+ lab tests a year adds up. It is not two identical full panels.

Function Health Add-On Test Costs

This is the part that decides whether Function is worth it for you and it is the part almost nobody publishes. Function does not list add-on prices publicly, so the table below comes straight from my own member dashboard, checked September 17, 2026. Prices change, but this is what I am looking at today.

Four of these I have bought across my four rounds, and they are the four in bold. The ApoE test at $129 gave me my Alzheimer's risk genotype. I carry ApoE 3/4, which I wrote about in my deep sleep article, and I wanted that result immediately. The celiac panel at $69 covers celiac disease and gluten-related immune response, though you have to have been eating gluten for the result to mean anything. The Omega panel at $49 is the one I would repeat: it covers EPA, DPA, DHA, total omega 6, arachidonic acid, total omega 3 and the omega 6 to omega 3 ratio.

The big one was Galleri at $749, which screens for over 50 cancer types from a single draw. Given how much cancer runs in my family, I added it and tested on July 10, 2025. The result came back “Cancer Signal Not Detected,” which was a relief. A negative Galleri is reassuring, not a guarantee, and it does not replace mammograms or colonoscopies. What I value is that Function makes a test most doctors would hesitate to order easy to get.

Everything not bolded is research-based, not something I have used. Two worth flagging for anyone who follows non-toxic living: the PFAS panel at $299 and the BPA panel at $349 measure exposure to chemicals found in nonstick cookware, food packaging, receipt paper and stain-resistant fabric. If you have been reading my PFAS-free cookware coverage and wondered whether any of it shows up in your blood, that is the test that would answer it.

The honest arithmetic: your $365 membership plus a Galleri and an MRI is $2,013. Add a couple of the $399 extended panels and you are past $2,800. The base membership is a floor. Anyone telling you Function costs $1 a day is quoting the sticker price, not what most members end up spending.

What It Costs to Re-Test Between Draws

Here is the number that changed how I think about the whole membership and I have not seen it published anywhere else. You are not limited to your two scheduled draws. You can re-test any marker on demand and individual markers start at $19.

Why this matters more than the add-on list: in one round, a liver enzyme of mine spiked after a hard leg session and looked alarming in isolation. If I was worried it was elevated for some other reason, I could have gotten it retested immediately.

That is the strongest financial argument for this membership. A scary number on a one-time panel sends you to your doctor, into a copay and into a waiting room. A scary number inside Function costs nineteen dollars to put in context.

The Cost Per Biomarker Math

My February 2026 dashboard showed 130 biomarkers, but that number includes add-ons I paid for separately, so it is not the right figure for judging the membership. The base panel runs roughly 100 distinct markers, tested twice a year. At $365 that is about $3.65 per marker for the year, or $1.83 per marker per draw. Apply the $25 reader discount and pay with HSA or FSA dollars and the real figure drops closer to $2.20.

Here is why I am using 100 and not the 160+ in Function's marketing. Every platform in this category counts biomarkers generously and the numbers on their homepages are not comparable to each other. Function markets 160+ lab tests a year, which counts tests run rather than distinct markers, because your follow-up draw repeats roughly 60 of the first draw's markers. Function has gone as far as filing a false advertising suit against a competitor over how biomarkers get counted. I walk through the real arithmetic in my Superpower review. When you see cost-per-biomarker math anywhere, including on this page, check which number it is dividing by.

For context, ordering comparable tests piecemeal through a direct-to-consumer lab like Ulta Lab Tests or LabCorp OnDemand runs $1,500 or more. A basic panel through your doctor, even with insurance, typically covers 20 to 30 markers and leaves out Lp(a), ApoB, heavy metals and hs-CRP.

Those two lipid markers are where I think the membership earns its price, and the research backs that up. A review in Current Opinion in Lipidology found that ApoB and LDL particle number are more accurate indicators of cardiovascular risk than LDL cholesterol or non-HDL cholesterol, because risk tracks the number of atherogenic particles rather than the total mass of cholesterol inside them. A later cohort study of 9,191 statin-treated patients followed for a median of five years, published in the Journal of Geriatric Cardiology, reached the same conclusion: ApoB and non-HDL cholesterol predicted heart attacks better than LDL cholesterol did.

Getting both inside a membership, rather than talking your doctor into ordering them one at a time, is a large part of what you are paying for.

One more way to squeeze value from labs you have already paid for. Every Function draw includes a complete blood count, and a 2026 machine learning study of more than 163,000 people, published in the American Journal of Preventive Cardiology, found that biological age estimated from routine CBC parameters independently predicted mortality and major cardiovascular events beyond chronological age. I built a free biological age calculator on that protocol, so once your results land you can run your own CBC through it in about two minutes at no extra cost.

What the Testing Was Worth to Me

Price per biomarker is a tidy number, but the real answer to whether Function Health is worth it came from what four rounds surfaced. It tracked my recovery from NPC competition prep, where my hemoglobin had dropped to 8.6 g/dL and rebounded to 14.3 by February 2026. It confirmed my low carb approach is working, with glucose at 86, HbA1c at 5.2 and insulin at 2.7, which my clinician flagged as outstanding blood sugar balance. It showed a consistently low inflammatory baseline and returned a biological age of 37.3.

I walk through all of it, with the dashboard screenshots and the full clinician notes, in my Function Health review. For the cost question the point is simpler: the data was specific, personal and something I could act on, which is what turns $365 into a renewal rather than a one-time experiment.

The clinician notes are also where the second year separates itself. My February 2026 notes described blood cell counts that had rebounded from prior lows. That sentence is only possible because the clinician can see my earlier rounds. On a first-round review, that context does not exist yet, which is the clearest reason not to judge this membership on year one.

How the Cost Compares to Alternatives

The competitive picture shifted in September 2026 and most comparisons you will read have not caught up. Superpower raised its membership from $199 to $349 on September 1, which puts it $16 under Function rather than $166 under it. The budget argument for Superpower is gone. If you are reading a comparison that still quotes $199, it is out of date.

Here is the part that surprised me when I lined the current prices up. If you compare like for like, two draws a year against two draws a year, there is no meaningfully cheaper alternative left. Hundred Health is $349 for two tests. Superpower is $349. Function is $365. That is a sixteen dollar spread across the three of them, which means price is no longer the thing to decide on.

Hundred Health is cheaper only at one test a year, where it is $199, or $149 with my link. That is a real saving and it is the option I would take if one annual panel is all you want. But notice what that means: the cheapest path is the one where you are not really buying a tracking membership at all, which is the same conclusion I reach further down about Function itself. If you are testing once, stop paying membership prices anywhere.

InsideTracker is the outlier at the top. It sells in bundles: $489 for membership plus one Ultimate blood test, or $761 for membership plus two, which is the fair comparison against Function's two draws. Its Ultimate test covers up to 54 biomarkers, roughly half of Function's base panel, for more than twice the price.

What price alone does not capture is what sits inside the base membership. I went through Hundred's own test list on September 17, 2026 and its heart panel includes ApoB, total cholesterol, LDL, HDL, non-HDL and triglycerides, but charges extra for lipoprotein(a), LDL particle number, LDL size and the rest of the advanced lipid breakdown. Function includes all of those in the $365. If the advanced cardiovascular markers are why you are testing, the cheaper membership is not cheaper once you add them back.

The clinician review is the other thing price does not show. Hundred Health and Superpower both deliver good panels for less. Neither has given me notes that read my history across four rounds the way Function's have. If you are buying one snapshot, pay less elsewhere. If you are buying a trend line with a clinician attached to it, that is what the premium covers.

For the head-to-head detail, my Function Health vs Superpower comparison goes marker by marker on two panels run on the same body, and my InsideTracker vs Function Health breakdown covers how the two approaches differ. I have tested Hundred Health and Superpower myself, so those two are hands-on. I have not used InsideTracker, so that comparison is research-based.

Does Insurance Cover Function Health?

No. Function Health is a membership and no insurance plan covers it. Function is explicit about this, describing itself as insurance-free, which is part of why the panel includes markers a covered physical would not.

What you can do is pay with HSA or FSA dollars, which Function accepts. Depending on your tax bracket that removes 25 to 35 percent of the cost before it ever leaves your account. It is the closest thing to a discount on the membership itself, and combined with the $25 reader link it brings a $365 membership down to roughly $221 to $255 in real money.

If an out-of-range result sends you to your own doctor for follow-up, that follow-up runs through your insurance as normal. Function does not treat, prescribe or bill anyone.

Is There a Function Health Discount Code?

Yes, in effect, though not as a code you type. Heal Nourish Grow readers save $25 on an annual Function Health membership through my referral link, and the discount applies automatically at checkout with nothing to enter. Use this link to skip the waitlist and save $25 on Function Health. That brings your first year to $340, or about 93 cents a day.

Function does not use a traditional promo code or coupon field at checkout. Their pricing runs through referral links instead, which is why the Function Health discount codes you find on coupon aggregator sites are expired or were never valid. There has never been a code-based discount to find. The referral link is the only reliable way to pay less in 2026.

The $25 stacks with HSA and FSA eligibility, and it applies to the membership rather than to add-ons. A Galleri test or an MRI costs the same whether you came through my link or not.

Who Function Health Is Not For

Function Health does not replace your primary care doctor. It does not diagnose, treat or prescribe. An alarming result still sends you to a physician, and the membership buys you data rather than care.

It is also not worth it if you will not use the data. If you read your results once and never open the dashboard again, or you have no intention of changing anything based on what you see, you are paying $365 for a login. The value lives in tracking trends, adjusting, then re-testing to find out whether the adjustment worked.

Skip it too if you only want one baseline panel. A cheaper one-time test makes more sense, and everything that justifies this membership comes from the second round onward. And if seeing a long list of out-of-range markers without a doctor sitting next to you would cause more anxiety than insight, that is a real cost worth weighing. Function uses tighter optimal ranges than standard lab reference ranges, so markers get flagged that your regular doctor would call normal.

On a tight budget, Hundred Health at $199 for one test a year, or $149 with my link, is the option I would point you to. That is the only price in this category that is still meaningfully below Function and it lines up with testing once rather than tracking. I have used it myself, so you can read my Hundred Health review before deciding.

The Bottom Line

Is Function Health worth it? For me, after four rounds, yes. The hemoglobin recovery alone justified a year of membership. The metabolic numbers gave me confidence that how I eat is working rather than hoping it was. And the longitudinal data changed what I expect from health testing generally.

The version I would want someone to tell me before I joined: budget past the sticker price, because add-ons run from $3 to $899 and the interesting ones are not cheap. Know that your follow-up draw is not a second full panel. And know that a single marker re-tests for $19, which is the feature that makes a scary result cost almost nothing to understand.

If you plan to test once, buy a cheaper one-time panel. If you plan to test for years and watch the lines move, this is the one I have stayed with. Skip the waitlist and save $25 here.