What are the HOMA‑IR (Homeostatic Model Assessment of Insulin Resistance) cut‑off values for normal insulin sensitivity, mild insulin resistance, significant insulin resistance, and severe insulin resistance, and how should they be interpreted?

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Last updated: February 18, 2026View editorial policy

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HOMA-IR Ranges and Clinical Interpretation

Values above 2.5 consistently indicate pathological insulin resistance, with a normal upper limit of approximately 2.86 based on the most recent population reference intervals. 1

Normal and Pathological Thresholds

Established Reference Ranges

  • Normal insulin sensitivity: HOMA-IR 0.39–2.86 (95% reference interval from a large Brazilian population study of over 21,000 individuals) 2
  • Pathological insulin resistance: HOMA-IR >2.5 (European guideline consensus threshold) 1
  • Optimal metabolic health: HOMA-IR <2.0 generally associated with better clinical outcomes 1

Clinical Risk Stratification

While no universal severity grading system exists, the following framework emerges from guideline recommendations and population studies:

  • Normal/optimal: <2.0 1
  • Mild insulin resistance: 2.0–2.5 1, 2
  • Significant insulin resistance: 2.5–5.0 1, 3
  • Severe insulin resistance: >5.0 4

Important Caveats for Interpretation

Population-Specific Considerations

Cut-off values vary by BMI category, with higher thresholds appropriate for individuals with obesity. 3 In the ELSA-Brasil cohort, the optimal HOMA-IR cut-off for metabolic syndrome was 2.35 overall, but increased progressively in overweight and obese categories. 3

Computational Method Matters

The calculation method significantly affects both the numeric value and clinical interpretation. 5

  • HOMA1 formula (original): [fasting glucose (mmol/L) × fasting insulin (mU/mL)] ÷ 22.5 1
    • Insulin resistance threshold: ≥2.5 5
  • HOMA2 calculator (computer model): More complex algorithm
    • Insulin resistance threshold: ≥1.4 5

The HOMA1 formula shows stronger associations with metabolic syndrome (OR 2.04 vs 1.43) and better diagnostic accuracy (AUC 0.741 vs 0.680) compared to HOMA2. 5

Clinical Validity Depends on Diabetes Status

HOMA-IR is most valid in non-diabetic individuals where pancreatic β-cells can still adapt to insulin resistance. 1, 6 Its validity is questionable in established type 2 diabetes because the model depends on preserved β-cell function. 1, 7

When to Use HOMA-IR Clinically

Recommended Applications

  • Metabolic dysfunction-associated steatotic liver disease (MASLD) evaluation in adults without established type 2 diabetes 1, 6
  • Polycystic ovary syndrome (PCOS) assessment as a metabolic outcome measure (average HOMA-IR in PCOS: 2.68) 1, 6
  • Clinical trials requiring insulin resistance as an endpoint 1
  • Cardiovascular risk stratification when metabolic syndrome components are present 1

When NOT to Use HOMA-IR

Routine screening is not recommended by the American Diabetes Association (Grade B evidence), as insulin assays are considered primarily useful for research purposes. 1 Clinical assessment using BMI and acanthosis nigricans is preferred over laboratory testing for insulin resistance screening. 1

Alternative Assessment When HOMA-IR Unavailable

Fasting Insulin Alone

When HOMA-IR cannot be calculated, fasting insulin provides reasonable clinical assessment: 1

  • Normal: <15 mU/L
  • Borderline high: 15–20 mU/L
  • High (insulin resistance): >20 mU/L

Clinical Assessment Priority

Metabolic syndrome criteria should guide management decisions rather than HOMA-IR alone. 1 The presence of metabolic syndrome warrants evaluation regardless of HOMA-IR value. 1

Key Pitfalls to Avoid

  • Insulin assay variability: Different laboratories use different insulin assays with wide variation; proper reference values must be established for your specific laboratory 1, 5
  • Using HOMA-IR in established diabetes: The model loses validity when β-cell function is significantly impaired 1, 6, 7
  • Ignoring BMI context: A HOMA-IR of 2.5 may be normal in obesity but pathological in normal-weight individuals 3
  • Mixing computational methods: HOMA1 and HOMA2 produce different numeric values and require different thresholds 5

Professional Medical Disclaimer

This information is intended for healthcare professionals. Any medical decision-making should rely on clinical judgment and independently verified information. The content provided herein does not replace professional discretion and should be considered supplementary to established clinical guidelines. Healthcare providers should verify all information against primary literature and current practice standards before application in patient care. Dr.Oracle assumes no liability for clinical decisions based on this content.

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