“Do I qualify for a GLP-1?” usually comes down to one FDA rule and a short list of health conditions. This calculator applies that rule to your numbers and compares the four main medications neutrally — no signup, no telehealth funnel, and no attempt to sell you a prescription.

The two-tier FDA BMI rule

For chronic weight management, the FDA labels for Wegovy, Zepbound, and Saxenda use the same two-tier rule: you meet the criteria at a BMI of 30 or higher (obesity), or at a BMI of 27–29.9 (overweight) if you also have at least one weight-related condition. The labels name conditions such as high blood pressure, type 2 diabetes, high cholesterol (dyslipidemia), and obstructive sleep apnea, and clinicians also consider cardiovascular disease. That is why, at a BMI in the high 20s, a single qualifying condition can change the answer.

The four drugs are not interchangeable

Wegovy (semaglutide) and Zepbound (tirzepatide) are both approved for weight management, but Zepbound also carries an FDA indication for moderate-to-severe obstructive sleep apnea in adults with obesity, added in December 2024, and Wegovy carries a cardiovascular-risk-reduction indication for people with established heart disease. Saxenda (liraglutide) is an older once-daily option approved for adults and adolescents 12 and up. Ozempic is the outlier: it is FDA-approved for type 2 diabetes, so using it for weight loss is off-label — Wegovy is the on-label semaglutide brand for weight management.

What 2026 insurance actually covers

Meeting the FDA criteria does not guarantee coverage. Commercial plans vary and usually require prior authorization; some exclude weight-loss drugs entirely. Standard Medicare Part D still cannot cover a GLP-1 for weight loss alone, but it can cover Wegovy for cardiovascular risk and Zepbound for sleep apnea on their medical indications — and in 2026 a new Medicare GLP-1 Bridge program began offering Wegovy or Zepbound for about a $50 monthly copay under specific criteria. Medicaid is decided state by state. This tool summarizes those rules but is not a benefits determination.

Eligibility is a starting point, not a prescription

This calculator screens against published FDA label criteria and current coverage rules. It does not diagnose, prescribe, or replace a clinician. Meeting the BMI-and-comorbidity criteria means the medications are worth discussing with a licensed healthcare professional, who will weigh your full medical history, contraindications, and goals before deciding whether treatment is appropriate.