Your wearable knows how you slept. Your AI does not, unless something connects the two. That something is an MCP server, and in 2026 there are plenty to choose from.
We compared eight options against each product's own pages on 27 Oct 2026, and added two built-in choices that need no MCP at all. freddy is ours, and we checked it the same way as the rest. This is not a ranking. The right pick depends on your phone, your devices and how much setup you want.
At a glance
| Name | Link | Main pros | Main cons | Price |
|---|---|---|---|---|
| freddy | freddy.coach | 100+ sources led by Garmin, Apple Health and Health Connect. Hosted, nothing to install. Works in Claude, ChatGPT and any MCP client. | No coaches, dashboard or logging of its own. Free plan is 1 source and 7 days of history shown. | Free; Pro $49 a year; Believer $249 lifetime |
| Wellness Project | wellnessproject.ai | App with 8 AI coaches, logging and a dashboard, plus a hosted MCP server. Direct connections for Garmin, Fitbit, WHOOP, Withings, Polar and more. | Free plan allows 3 coach chats a day, counted across the app and your AI. You work inside its own app. | Free; Pro $9.99 a month |
| Fulcra | fulcradynamics.com | MCP access on the free plan. One timeline for Apple Health, calendar and location, with an audit log of what agents read. | Data comes in through its iPhone app. A general personal-context tool, so health is one part of it. | Free; Pro $14.99 a month or $149.99 a year |
| Health Auto Export | healthyapps.dev | iPhone app with a built-in MCP server. No account, and a low one-time or yearly price. | Apple Health only. Your computer and phone must share a Wi-Fi network. The MCP server needs Premium after a 7-day trial. | Basic $2.99 once; Premium $1.99 a month, $6.99 a year or $24.99 lifetime |
| Garmin community MCP server | github.com/Taxuspt/garmin_mcp | Free, open source (MIT), runs on your computer. 110+ tools for activities, sleep, training load and more. | Garmin only. You set it up and keep it running yourself. | Free |
| Open Wearables | openwearables.io | Open source (MIT) and self-hosted. The MCP server is in the free Core plan, and you keep all the data. | You run it and get each provider's developer credentials yourself. Built for teams making products. | Core free; Pro from $999 a month per deployment |
| Terra AI | tryterra.co | One API for thousands of wearables, with an MCP interface for developers. | Needs a developer account and API keys. Priced for companies, not individuals. | From $399 a month billed annually, or $499 billed monthly |
| Sahha | sahha.ai | Developer platform with an MCP server, plus ready-made scores, biomarkers and insights. 30-day free trial. | For companies adding health data to an app. Not a personal tool. | Starter $299 a month billed annually; Pro $1,499 a month billed annually |
Prices are in US dollars, taken from each product's own page on 27 Oct 2026. Check the link before you buy.
What an MCP server actually does
An MCP server is a small program that translates between an AI client and a data source. The client (Claude, ChatGPT, Cursor) speaks MCP. The data source (a wearable's cloud, your local files, a database) does not. The server bridges the two by exposing tools the AI can call, such as list_metrics, query_metrics and get_workout_summary. When you ask a question that touches your data, the AI calls those tools and gets back answers it can reason about.
Personal health suits MCP well because the data lives in many places (watches, rings, apps, glucose monitors) and the questions often span several of them. A good health MCP server pulls from more than one source, puts the data in one place, and lets your AI do the reasoning.
Hosted options for your own data
1. freddy
What it is. A hosted MCP server from us. You connect your sources once, then add freddy to your AI app from Claude's or ChatGPT's directory, or paste your private MCP URL into any MCP client. Setup takes about 90 seconds.
Sources. 100+, led by Garmin, Apple Health and Health Connect.
Price. Free: 1 source and 7 days of history shown. Pro: $49 a year, with unlimited sources and full history. Believer: $249 lifetime.
Good. One connection covers many devices. It is read-only, you can export your history as CSV, and deleting your account deletes your data.
Not so good. freddy has no coaches, dashboard or logging of its own. It hands your data to the AI you already use. The free plan is one source with 7 days of history shown.
Best for: people who wear more than one device, or anyone on Garmin, Apple Health or Health Connect who wants one connection across Claude, ChatGPT and other AI apps.
2. Wellness Project
What it is. An app with eight AI coaches, a dashboard and logging for workouts, meals and sleep, plus a hosted MCP server. Claude, ChatGPT, Gemini, Grok and Mistral Le Chat can read the same data, and log new entries back.
Sources. Direct connections for Garmin, Fitbit, WHOOP, Withings, Polar and more, plus Apple Health and Android Health Connect.
Price. Free Basic, or Pro at $9.99 a month. Wearable connections are on both plans.
Good. It is a full coaching app, not only a connector. Logging, coaches and a dashboard come with it.
Not so good. Free Basic allows 3 coach chats a day, counted across the app and your AI connector. You work inside Wellness Project's own app and data store.
Best for: people who want an all-in-one coaching and logging app, with an AI connector as a bonus.
3. Fulcra
What it is. A hosted store for your personal context, with an MCP server for Claude, ChatGPT and other agents. It keeps Apple Health, calendar and location on one timeline, and logs what each agent reads.
Sources. Apple Health, calendar and location through its iPhone app.
Price. Free Personal plan with MCP access, 5 GB of files and 10M records. Pro is $14.99 a month or $149.99 a year.
Good. MCP access is free, and you can share slices of your data with a coach or doctor.
Not so good. Your data arrives through the iPhone app. Health is one part of a wider personal-context tool, so it is less focused on wearables.
Best for: iPhone users who want one private timeline of health, calendar and location for their agents.
Local and open-source options
4. Health Auto Export
What it is. An iPhone app that exports your Apple Health data and includes a built-in MCP server, so an AI app on your computer can query your phone over your own network.
Sources. Apple Health, so anything that writes to it. 150+ health and fitness metrics.
Price. Free to look around, with a 7-day trial of Premium. Basic is $2.99 once. Premium is $1.99 a month, $6.99 a year or $24.99 lifetime, and the MCP server needs Premium after the trial.
Good. No account, and the developer says it collects no data. The prices are low.
Not so good. Your phone and computer must be on the same Wi-Fi network, and the server has no sign-in, so use it on a network you trust. Apple Health only.
Best for: iPhone users who like to tinker and want the cheapest local setup.
5. Garmin community MCP server
What it is. A free, open-source MCP server (MIT license) from the community, not from a company. It runs on your own computer and gives your AI 110+ tools for Garmin Connect data such as activities, sleep, training load and workouts.
Sources. Garmin Connect only.
Price. Free.
Good. Free, deep Garmin coverage, and it runs on your own computer.
Not so good. You install it and keep it running yourself, and it covers Garmin only.
Best for: Garmin owners who are comfortable with a terminal and only need Garmin.
6. Open Wearables
What it is. Open-source (MIT) infrastructure for wearable data that you run in your own cloud. Since our May version, it has shipped an MCP server in the free Core plan.
Sources. Garmin, WHOOP, Polar, Suunto, Withings, Fitbit, Strava, Apple Health, Health Connect and more. You get each provider's developer credentials yourself.
Price. Core is free forever. Pro starts at $999 a month per deployment.
Good. You own the data and the stack, and there is no per-user fee.
Not so good. It is built for teams making products. You run the servers, get the provider credentials and keep it working.
Best for: developers and teams who need to keep wearable data in their own cloud.
Built for developers and companies
7. Terra AI
What it is. A wearable-data API used by app developers. Its AI interface exposes your users' connected data to AI tools over MCP.
Sources. Thousands of wearables through one API.
Price. From $399 a month billed annually, or $499 billed monthly, with 100,000 API credits included.
Good. Broad device coverage in one API, and a 30-day risk-free trial.
Not so good. It needs a developer account and API keys, and the pricing is for companies.
Best for: teams adding wearable data to their own app.
8. Sahha
What it is. A health-data platform for businesses, with scores, biomarkers and archetypes, and an MCP server over that data.
Price. Starter is $299 a month billed annually. Pro is $1,499 a month billed annually. Every plan starts with a 30-day free trial.
Good. Ready-made scores and insights, with a SOC 2 Type II report listed on every plan.
Not so good. It is built to be added to an app, so it is not for individuals.
Best for: companies that want scores and insights without building them.
Built-in options, no MCP needed
ChatGPT Health. Free, Go, Plus and Pro users in the US can connect Apple Health to ChatGPT on iPhone. Garmin, WHOOP and Oura data reaches ChatGPT if you let those apps share with Apple Health. It works only inside ChatGPT, and some app-specific scores may not carry over. OpenAI's help page has the details.
Claude on iPhone. In beta for Pro and Max users in the US, Claude can read your Apple Health data from the iPhone app. It reads only and cannot write back. Claude's help page has the details.
Microsoft lists Copilot Health as temporarily unavailable, so we left it out of the main list. Check Microsoft's support page for its status.
Who each is best for
- Several devices, one connection: freddy.
- An all-in-one coaching and logging app: Wellness Project.
- A private timeline of health, calendar and location on iPhone: Fulcra.
- Cheapest local setup on iPhone: Health Auto Export.
- Garmin only, free, and you like the terminal: the Garmin community MCP server.
- Data in your own cloud: Open Wearables.
- Building an app for many users: Terra AI or Sahha.
- Just Apple Health and one AI app in the US: ChatGPT Health or Claude on iPhone.
How to choose
Start with your phone and your devices. If you use Apple Health only and one AI app, a built-in option may be enough. If you mix devices, or you want your data in whichever AI you use next, a hosted server saves the most effort. If you want to run everything yourself, pick one of the open-source options. If you are building a product for other people, look at the developer platforms.
Your AI is only as useful as the data it can see, so the real question is which devices you wear and where you want their data to live.
What changed since May 2026. We removed the separate Apple HealthKit and Google Health Connect entries, because they are developer frameworks and not servers (freddy still reads both). We moved Copilot Health out of the list while Microsoft has it paused. We added Wellness Project, Health Auto Export, a Garmin community server, Terra AI and Sahha. Open Wearables now ships its own MCP server, and Fulcra now has a free plan.
Pricing and feature details verified 27 Oct 2026 from each product's own pages. Things move fast in this space, so check the vendor's site before you commit.