The short answer
Mochi Health is our top pick for genuine month-to-month with no lock-in. Score 7.6 of 10. Flat $178 per month, online self-serve cancel that actually cancels, no prepay, no minimum, no non-refundable enrollment fee. The cleanest month-to-month structure in our chart.
The short version
The phrase 'month-to-month' is doing a lot of work in GLP-1 telehealth marketing. Several programs advertise month-to-month pricing but charge a non-refundable enrollment fee, require a 3-month or 6-month minimum, or auto-enroll you in an annual prepay at the second renewal. True month-to-month means: no minimum commitment, no prepay, online self-serve cancellation, no penalty on the next cycle. About 10 to 15 percent of new GLP-1 patients discontinue inside the first 30 days due to gastrointestinal side effects. Programs that lock you in for 6 or 12 months ahead of that risk window are betting against your discontinuation rate.
What we considered
- Self-serve online cancellation (not phone-only)
- No minimum commitment period
- No non-refundable upfront fees
- Cancellation effective at end of current cycle (not at end of multi-month commitment)
- Honest about the cancellation flow (no retention-script obstacle course)
Top pick: Mochi Health
Mochi's online self-serve cancel, flat $178 per month, no prepay and no minimum commitment make it the cleanest genuine month-to-month structure in our chart. Sesame and Push Health are formally cleaner (per-visit, no membership) but don't bundle medication.
Read the full Mochi Health review →
Why Mochi Health won this category
Mochi's cancellation terms are the cleanest in our chart. Online self-serve cancel through the member dashboard, effective at the end of the current billing cycle. No phone-only cancellation. No retention scripts that require a 20-minute call to escape. No 'are you sure' loop that takes 8 clicks. Sesame Care and Push Health are formally even cleaner (per-visit pricing with no membership at all), but Mochi is the cleanest among the programs that bundle membership with medication.
The pricing is structurally month-to-month, not a marketing label. $178 monthly. No prepay. No annual discount that effectively converts your subscription to an annual commitment. Several programs in our chart (notably WeightWatchers Clinic, Calibrate, Embla) require prepay or have 12-month minimums; Mochi doesn't.
The clinical commitment is not the same as the financial commitment. GLP-1 weight loss works best when sustained for 12+ months, that's not in dispute. But the program's financial structure should not be the lever that forces your clinical commitment. Mochi's model is 'stay because it works for you, not because cancellation would cost you 6 months of unused months.' That's the right structural alignment for a chronic-treatment category.
The compounded medication path is the trade-off, same as the other Mochi-led picks. Mochi prescribes compounded semaglutide from 503A pharmacies, not branded Wegovy. For patients who specifically want brand and would tolerate a longer commitment in exchange, Ro Body's $299 LillyDirect Zepbound is month-to-month for brand. For pure month-to-month with brand and insurance, PlushCare is the strongest pick.
Who this pick isn't for
Mochi is not the right pick if you specifically value annual prepay discounts. Some programs offer 15 to 30 percent off if you commit to 12 months upfront. If you're confident GLP-1 is the right long-term treatment for you and the prepay discount beats your discontinuation risk premium, that math can work. Mochi doesn't offer this; the price is flat regardless of duration.
Mochi is also not the right pick if you have insurance that covers GLP-1 weight loss with PA. Cash-pay $178 monthly is the cheapest predictable cash-pay path, but insured $25 to $50 copay through PlushCare or Form Health is cheaper. The PA process takes 4 to 6 weeks; if your insurance covers it, the wait is worth it. Don't pick cash-pay just because the cancellation is cleaner.
And Mochi doesn't fit if your reason for wanting month-to-month is that you're not yet committed to GLP-1 at all. If you're shopping for a trial month to see what GLP-1 feels like, you're better off with a free or low-cost initial PCP consult (Sesame Care, your existing PCP, or a basic insurance-billed visit) before paying for a full month of telehealth membership plus medication.
Runner-up: Henry Meds
Henry Meds is roughly tied with Mochi on cancellation terms and price. The functional difference is the pharmacy network and clinical workup; either is a clean month-to-month pick.
Read the full Henry Meds review →
Top 3 compared
| Program | Score | Starts from | Lock-in | Time to Rx |
|---|---|---|---|---|
| Mochi Health | 7.6 | $178/mo | Month-to-month | 3 days |
| Henry Meds | 7.8 | $179/mo | Month-to-month | 2 days |
| Sesame Care | 6.8 | $59/mo | Month-to-month | 1 day |
Other strong picks
Frequently asked
What's the difference between 'no minimum commitment' and 'month-to-month'?
Sometimes nothing, sometimes a lot. Some programs say 'no minimum commitment' but require you to prepay 3 months upfront on a non-refundable basis. The technically-monthly billing is irrelevant if the prepay is forfeit. True month-to-month means you pay one month at a time, no prepay, and cancellation is effective at the end of the current paid month.
What if I cancel mid-month?
At Mochi, cancellation is effective at the end of the current billing cycle. You don't get a partial refund for the remaining days; you get to finish out the month you paid for. If you cancel on day 28 of a 30-day cycle, you have 2 more days of access. If you cancel on day 3, you have 27 more days. The medication you already received doesn't get clawed back.
Can I pause without canceling?
Mochi doesn't offer a formal pause. The clean path is to cancel, take a break (which costs you nothing), and re-enroll when you're ready. Some patients prefer this to a pause feature because pause features often have hidden minimums or convert to lock-in after a certain period. Re-enrollment at Mochi is the same intake as a new patient, but they typically accept prior dose history.
What about the cancellation flow itself?
Mochi's cancellation is a 3-click flow from the dashboard. No phone call required. No retention specialist. No 20-minute retention script. Programs that require phone-only cancellation (or where 'online cancel' redirects to a chatbot that won't actually cancel) are the ones to avoid; we score that as a cancellation-friction issue, not a true month-to-month structure.
Will canceling affect my medical record?
Cancellation closes your account at the program. It doesn't affect medication records held by the pharmacy that filled your prescription. If you cancel and then re-enroll (at the same or different program) the new program can request your prior records via standard medical-records release. There's no 'cancellation penalty' that affects your medical history.
Do I have to give a reason for canceling?
Mochi asks but doesn't require. The cancellation goes through whether you skip the survey or answer it. Programs that won't let you cancel without a reason form are pushing the friction; that's the kind of behavior we score against in cancellation dimension.
What about programs that auto-renew into annual prepay?
Some programs convert monthly subscriptions to annual prepay at the second renewal as a 'loyalty discount.' If you don't opt out before the conversion date, you're locked in for 12 months. Mochi doesn't do this. Read the renewal terms on any program before your second renewal hits; the conversion clause is often buried in the terms page.
Sources
- FTC: Negative Option Rule (2024 update on subscription cancellation requirements)
- Consumer Financial Protection Bureau: chargeback rights for unauthorized subscription charges
- STEP-4 trial: weight regain after semaglutide discontinuation. JAMA 2021
Related
