Mounjaro (tirzepatide) has become one of the most sought-after medications for type 2 diabetes and weight loss in recent years. Without insurance coverage, the list price can reach $1,100–$1,300 per month, which puts it out of reach for many people.
The good news is that almost nobody pays the full list price in 2025. Several legitimate programs, coupons, and strategies can bring the cost down to $25–$550 a month, even with no insurance at all.
In this guide you’ll learn every working method to get Mounjaro without insurance, step-by-step options, and current savings programs that actually work right now.
Why Mounjaro Is So Expensive Without Insurance
Drug companies set a very high “list price” for new medications like Mounjaro. Insurance companies negotiate big discounts, but people without coverage see the full sticker price at the pharmacy.
Eli Lilly, the maker of Mounjaro, offers direct help through savings cards and patient assistance programs. Many independent coupon services also negotiate lower prices with pharmacies.
Combining these options is the key to making the medication affordable.
How to Get Mounjaro Without Insurance – The Direct Answer (2025 Working Methods)
Here are the real ways people are paying $25–$550 per month with no insurance today:
Option 1: Eli Lilly Official Savings Card ($25 per month)
If you have commercial or private insurance (not government plans), you pay only $25 for a 1-month or 3-month supply.
Many people with no insurance at all still use the card successfully by paying cash and presenting it at the pharmacy.
It works at most major chains (CVS, Walgreens, Walmart, Costco) and is valid through December 2025.
Option 2: LillyDirect Pharmacy (around $499–$550 per month)
Eli Lilly launched LillyDirect in 2024. You can buy Mounjaro directly from them without insurance for a fixed cash price, usually $499–$550 for four pens.
No coupons needed, home delivery, and telehealth visit included if you need a new prescription.
Option 3: Patient Assistance Program (PAP) – Possibly Free
Lilly Cares Foundation gives Mounjaro free for up to one year if your household income is under 400–600% of the federal poverty level (about $60,000–$90,000 for a single person).
You must be a U.S. resident and have no prescription coverage.
Option 4: GoodRx, SingleCare, or Other Discount Cards ($400–$650)
These free coupons often beat the cash price. Current GoodRx price at Costco or Mark Cuban Cost Plus Drug is around $420–$480 for four pens in many states.
Option 5: Canadian or International Online Pharmacies ($300–$450)
Licensed Canadian pharmacies sell the exact same Mounjaro pens for much less. Most people save $600–$800 per box. Requires a valid U.S. prescription.
Step-by-Step: How to Use the $25 Lilly Savings Card Without Insurance
Many pharmacies accept the card even for cash-paying patients. Follow these exact steps:
Step 1: Download the Official Card
Go to the official Mounjaro website or lillypricing.info and download the 2025 savings card. Save it on your phone or print it.
Step 2: Get a Valid Prescription
You need a doctor, nurse practitioner, or telehealth provider to write “Mounjaro” (not Zepbound) for 2.5 mg up to 15 mg.
Step 3: Choose a Participating Pharmacy
Walmart, Costco, CVS, and most independent pharmacies accept it. Call ahead and ask, “Do you take the Lilly savings card for cash-pay patients?”
Step 4: Present Card + Prescription
Tell the pharmacist you are paying cash and hand over the savings card. The system automatically drops the price to $25 in most cases.
Step 5: Pay and Leave
You pay $25 + tax for one box (four pens). Valid once per month.
Current Cash Prices Comparison (December 2025)
| Source | Price for 4 pens (1 month) | Notes |
|---|---|---|
| Eli Lilly Savings Card | $25 | Works for most cash patients |
| LillyDirect (direct from Lilly) | $499–$559 | Includes telehealth + shipping |
| GoodRx / SingleCare | $420–$650 | Lowest at Costco or Cuban pharmacy |
| Mark Cuban Cost Plus Drug | ~$470 | Online only, generic version coming soon |
| Canadian pharmacies | $320–$450 | Requires U.S. prescription |
| Local pharmacy cash price | $1,050–$1,300 | Full list price – never pay this |
How to Apply for Free Mounjaro (Lilly Cares Program)
If your income is low to moderate, you may qualify for free medicine.
Fill out the Lilly Cares application online or call 1-800-545-6962.
You need proof of income (tax return or pay stubs) and a prescription.
Approval usually takes 2–4 weeks; medicine ships directly to your doctor or home.
Other Ways People Are Saving Right Now
Use telehealth services like Hello Alpha, JoinFriday, or Mochi Health – prices start at $29–$99 for the visit and they send the prescription electronically.
Switch to compounding pharmacies for tirzepatide (same active ingredient) – costs $250–$400 per month, but not FDA-approved Mounjaro brand.
Look for local independent pharmacies that give extra cash discounts on top of coupons.
Important Warnings
Never buy Mounjaro from Instagram, Facebook, or random websites – many sell fake or dangerous pens.
Compounded tirzepatide is cheaper but not the same as brand-name Mounjaro and carries extra risks.
Always keep your pens refrigerated and check the expiration date.
Summary
You do not need insurance to get Mounjaro affordably in 2025. The easiest and most reliable way is the official Lilly savings card that drops the price to $25 a month for most cash-paying patients. Other solid options include LillyDirect ($499–$559), discount cards like GoodRx ($420+), Canadian pharmacies ($300–$450), or the free Lilly Cares program if you meet income rules. Choose one method, follow the steps, and you can start or continue treatment without paying the full $1,300 list price.
FAQ
Can I really get Mounjaro for $25 without any insurance?
Yes, the official Lilly savings card is accepted by most pharmacies for cash patients and brings the price to $25 for four pens (one month).
Is LillyDirect legit and safe?
Yes, LillyDirect is 100% owned and run by Eli Lilly. You buy directly from the manufacturer with home delivery.
Will the $25 savings card still work in 2026?
Lilly has extended similar programs every year. No official end date has been announced yet for 2026.
Can I use GoodRx and the Lilly card together?
No, pharmacies allow only one discount. Use whichever gives the lower price (almost always the Lilly card at $25).
Is it legal to buy Mounjaro from Canada?
Yes, with a valid U.S. prescription, importing a 90-day supply for personal use is allowed by the FDA.
Do I qualify for free Mounjaro?
If your household income is below about $60,000–$90,000 (depending on family size) and you have no prescription coverage, you have a good chance with Lilly Cares.
Dr. Hamza is a medical content reviewer with over 12+ years of experience in healthcare research and patient education. He specializes in evidence-based health information, medications, and chronic conditions. His reviews are grounded in trusted medical sources and current clinical guidelines to ensure accuracy, transparency, and reliability. Content reviewed by Dr. Hamza is intended for educational purposes and is not a substitute for professional medical advice.