InsideTracker stacks membership plus tests.We bundle the biomarkers.

InsideTracker requires a $149/year auto-renewing membership just to unlock the platform. Then each Ultimate test (their most comprehensive at 43 biomarkers) costs $340. Your first round: $489+. Two tests per year: $829+. Add InnerAge ($99) and DNA kit ($249) and you’re above $887 for 43–54 biomarkers. Vitals Vault: $99 (Essential, 120+ biomarkers), $199 (Advanced, 140+), or $399 (Max, 160+). No membership, no subscription, no auto-renewal. Even the Max plan gives you up to 3x more biomarkers plus clinical ratios — like the triglyceride/HDL ratio that reveals insulin resistance when both numbers look borderline individually, or NLR that ER physicians use to gauge systemic inflammation — for less than InsideTracker’s first round. Both accept HSA/FSA.

InsideTracker gives you category scores (0–100) and TERRA AI coaching tips. Vitals Vault gives you a 90-page Functional Health Report that evaluates every marker against functional optimal ranges — not just standard lab ranges. Here’s the difference: InsideTracker told you your TSH of 4.0 was “optimized.” A functional medicine practitioner knows anything above 3.0 correlates with early thyroid underperformance. Your fasting glucose of 94 passed their screen. Our TyG Index flags the insulin resistance behind it a decade before your A1c moves. The report scores 12 body systems, computes 34–50 clinical ratios that don’t exist in InsideTracker’s system, and gives you an Action Plan with specific supplement recommendations, dosages, safety notes relative to your medications, and PubMed-cited evidence. Plus a 12-month personalized testing roadmap with 5 clinical checkpoints — not “retest in 6 months” but specific panels prioritized by clinical urgency based on YOUR patterns.

InsideTracker gives every Ultimate member the same 43 biomarkers. Whether you’re investigating chronic fatigue with a family history of thyroid disease, or you’re a 40-year-old on metformin worried about metabolic health — you get the same panel. Vitals Vault’s Custom Panel Builder changes that entirely. It’s an AI clinical consultation that interviews you about your symptoms, medications, family history, and lifestyle — the kind of workup you’d get at a $10,000 concierge medicine practice. The system builds differential hypotheses in real-time (“is this thyroid dysfunction, insulin resistance, or chronic inflammation?”), runs deterministic medication-depletion rules (statins → CoQ10, metformin → B12, birth control → zinc/B6/folate), adds family-history risk panels, and assembles a panel that tests YOUR specific hypotheses. You see exactly why each test was selected, the confidence level for each clinical finding, and which tests investigate which hypothesis. Nobody else offers this — not InsideTracker, not Function Health, not Superpower. They give everyone the same tests. We build yours.

InsideTracker charges $99 extra for InnerAge 2.0. Vitals Vault includes biological age (Morgan Levine PhenoAge algorithm — 9 biomarkers, Gompertz mortality function) free with every plan, including the $99 Essential. But biological age is just the starting point. The real value is what happens after: Vitals Vault’s clinical engine detects compound risk patterns — elevated LDL + elevated hs-CRP + family history of heart disease triggers a “Cardiac Triple Threat” pattern. High glucose + high triglycerides + low HDL triggers “Metabolic Syndrome Pattern.” These constellation-level insights don’t exist in InsideTracker’s marker-by-marker coaching system. The engine also evaluates your results against your 15-section health profile (medications, family history, symptoms, diet, sleep, stress), uses UMLS/RxNorm to flag drug interactions, and detects worsening trends across past labs.

Yes — and this is where the clinical intelligence really shows. You can upload your InsideTracker results and Vitals Vault’s engine parses every value and integrates it into your analysis. If your ferritin has dropped from 45 to 28 to 18 across three tests, the engine detects that worsening trend (the highest-priority signal in the system), escalates it in your report, adjusts your supplement recommendations, and moves iron-related retesting earlier in your 12-month testing roadmap. InsideTracker lets you upload past labs but doesn’t integrate them into its coaching or recommendations. Your historical data should work for you, not just sit in a folder.

Your report is powered by a clinical intelligence engine built on a 3-million-node knowledge graph (HPO, SNOMED, UMLS, and functional medicine ontologies). It doesn’t just flag individual markers — it detects compound risk patterns the way a functional medicine doctor thinks. The engine evaluates your results against your 15-section health profile (medications, family history, symptoms, diet, sleep, stress, supplements), uses UMLS/RxNorm to understand drug interactions with your current medications, and detects worsening trends across past labs. It then generates a 12-month personalized testing roadmap with 5 clinical checkpoints — specific panels prioritized by clinical urgency based on YOUR patterns. All protocols developed with Dr. Arti Chandra (MD, MPH, IFMCP — 15 years functional medicine) and Dr. Rob Lufkin (Clinical Professor, USC Keck, 200+ peer-reviewed papers). Every report receives clinician sign-off. This is a physician-designed clinical engine, not a chatbot.