Function Health Review 2026: Is It Worth $365?

The cardiovascular set is the strongest part of the offering and the reason to consider it at all. ApoB, Lp(a), hs-CRP and homocysteine are the four markers that separate a modern risk assessment from a 1990s cholesterol panel, and most primary care visits still do not include any of them. Lp(a) in particular is measured once in a lifetime, is almost entirely genetic, and materially changes how aggressively you should treat everything else. Getting it as part of a bundle you were buying anyway is a genuine advantage.

Metabolic coverage includes fasting glucose, fasting insulin, HbA1c and a full lipid panel. Fasting insulin is the marker that moves years before glucose does, and its omission from standard care is the single most common reason people discover insulin resistance late. Hormones cover total and free testosterone, SHBG, estradiol, DHEA-S and cortisol, with a full thyroid panel including free T3, free T4 and antibodies rather than TSH alone.

The remainder covers nutrients (vitamin D, B12, folate, ferritin, magnesium), kidney and liver function, autoimmunity screening, and a heavy metals and environmental toxins panel. The toxins panel is the part with the weakest decision value — an elevated result rarely leads anywhere actionable, and the reference ranges for chronic low-level exposure are contested.

You order online, book a draw at a partner patient service center, and results populate a dashboard over one to two weeks. Every result is reviewed by a clinician, who flags anything outside range and writes a short interpretation. A second draw is included later in the year, and you can add individual tests on demand between draws for an extra fee. Imaging — MRI and CT — is available as a paid add-on in some markets.

The dashboard is genuinely good at showing change over time, which is the part most people underestimate. A single ApoB of 95 mg/dL means less than three consecutive readings showing 82, 95, 110. Function's structural advantage is not the breadth of any one draw; it is that the same markers get retested on the same assays year after year, which makes the trend line trustworthy.

Function does not prescribe. If your total testosterone comes back at 280 ng/dL with symptoms, the membership has done its job and you still need a clinician elsewhere — which means paying twice. The same applies to a high ApoB that warrants a statin, or a TSH that warrants thyroid treatment. Treat the membership as diagnostics, not care.

The clinician insights are pattern-matched summaries rather than a treatment plan. They are accurate and appropriately cautious, but a note saying your homocysteine is mildly elevated and B-vitamin status is worth reviewing is not the same as a physician who knows your history deciding what to do about it.

Two draws a year is too infrequent for anyone titrating a hormone or metabolic protocol. If you start TRT or a GLP-1, you need labs at six to eight weeks and then quarterly — a cadence Function's schedule does not cover, so you will be buying interim draws elsewhere regardless.

Buying the same core set à la carte at a reference lab — ApoB, Lp(a), hs-CRP, homocysteine, fasting insulin, HbA1c, lipids, full thyroid, testosterone with SHBG, CBC and CMP — typically lands somewhere in the $350 to $600 range at list price, less on promotion. So the membership is roughly at parity on the markers you would actually order, and far cheaper on the 100+ you would not.

That reframes the decision. You are not paying for value per marker; you are paying to skip the work of deciding what to order and to get an infrastructure that keeps testing the same things every year. For someone who has never assembled a panel before, that is worth real money. For someone who already knows their ten markers, it is not.

The membership covers seven broad categories: cardiovascular (ApoB, Lp(a), full lipids, hs-CRP, homocysteine), metabolic and pancreatic (fasting glucose, fasting insulin, HbA1c, amylase, lipase), hormonal (total and free testosterone, SHBG, DHEA-S, cortisol, oestradiol, progesterone, FSH, LH), thyroid (TSH, free T3, free T4, anti-TPO antibodies), kidney and liver (creatinine, eGFR, BUN, cystatin C, AST, ALT, GGT, bilirubin), nutrients and immune status (vitamin D, B12, folate, ferritin, magnesium, CBC with differential), and a toxins and autoimmunity block (heavy metals, ANA).

Yes, Function Health tests B12 — it sits in the nutrient panel alongside folate, ferritin and vitamin D, and it is one of the more useful inclusions because low-normal B12 is a common and correctable cause of fatigue and neuropathy. Progesterone is also included in the hormone panel for female members, read together with oestradiol, FSH and LH rather than in isolation. Thyroid coverage goes beyond the TSH-only screen most primary care runs: TSH, free T3, free T4 and thyroid antibodies are all part of the standard membership.

A urine test is not part of the standard membership. Function is a blood-based panel; urinalysis, urine microalbumin and urine hormone metabolite testing (DUTCH-style) are not included and would need to be ordered separately through a reference lab or a clinician. Kidney function is instead inferred from serum creatinine, cystatin C and eGFR, which is adequate for screening but not the same as an albumin-to-creatinine ratio if you are specifically watching for early kidney damage on a GLP-1 or with diabetes.

Everything described above is included in the base membership. The paid add-ons are the on-demand individual tests you buy between the two scheduled draws, and imaging — MRI and CT — which is priced separately and only available in some markets.

Membership is $365 per year, reduced from the original $499 launch price, and it is HSA/FSA eligible. That covers two draws a year and the full 160+ marker set at each one. The frequently quoted $499 figure is out of date — verify on their pricing page before buying, because this is a company that has changed pricing once already.

Yes, the membership renews automatically on an annual cycle. It is charged once a year rather than monthly, so the renewal lands as a single $365 charge on the anniversary of your join date. You can cancel before renewal in account settings; if you only ever wanted one year of data, set a reminder rather than relying on remembering.

Against a direct-pay route like Labcorp OnDemand or Quest, the comparison is not close on breadth. Ordering ApoB, Lp(a), hs-CRP, fasting insulin, a full thyroid panel and hormones à la carte typically runs $350 to $600 at list price for a single draw — roughly the whole Function year, for a fraction of the markers and none of the trend tracking. Direct-pay wins when you know exactly which five markers you need and want to retest them quarterly; Function wins when you want breadth and a stable annual baseline.

Function Health vs Empirical Health: Empirical is a physician-led primary care service that uses your existing records and wearable data to run preventive care, including ordering labs when clinically indicated. Function is a fixed annual panel with no prescribing and no continuity of care. If you want a doctor who owns decisions, Empirical is closer to that; if you want the widest possible dataset at a fixed price and will take it to your own physician, Function is the better buy.

Function Health vs 10X Health: 10X sells a broad panel bundled with supplement and IV recommendations from its own line, at a materially higher price. The overlap on actual markers is smaller than the marketing suggests, and the recommendation layer sits on top of products the company sells. Function's clinician notes are conservative and product-neutral by comparison. On cost per validated marker, Function is the stronger value.

JOI and Blokes vs Function Health: this is a category comparison rather than a like-for-like one. JOI (for women) and Blokes (for men) are telehealth optimization clinics — they test, then prescribe testosterone, peptides and metabolic medication, and their revenue depends partly on ongoing treatment. Function Health does not prescribe anything. If you need therapy managed, Function cannot do it. If you want an unbiased dataset from a company with nothing to sell you afterwards, that independence is exactly the point.

It is worth it for longevity-focused people who want a comprehensive annual baseline, will retest for several years, and are comfortable interpreting results with their own physician. The cardiovascular core alone — ApoB and a once-in-a-lifetime Lp(a) — changes risk management for a meaningful share of members, and those two markers are still missing from most annual physicals.

It is not worth it for anyone who needs physician oversight, TRT management, GLP-1 monitoring, or targeted lab work for a specific diagnosed condition. Two draws a year is the wrong cadence for titrating anything, and a clinician review that flags abnormalities is not a treatment plan.

The honest verdict: for someone running a longevity protocol who wants 100+ markers tracked annually, the membership is reasonable value. For someone who needs TRT management or GLP-1 monitoring, a clinic like Marek Health or Hone Health provides the physician oversight Function Health does not.