A lipid panel measures the fats in your blood: LDL ("bad") cholesterol, HDL ("good") cholesterol, triglycerides, and total cholesterol. Together they help your doctor estimate your risk of heart disease and stroke — the leading cause of death in the United States.

Heart disease risk depends on more than one number. The American Heart Association and ACC use the full picture — plus your age, blood pressure, and smoking status — to estimate your 10-year risk.

Lipid Panel reference ranges (US standard)

These ranges are aligned with Quest Diagnostics and LabCorp. Your own report prints the exact range your lab used — always defer to that range, since methods differ slightly between labs.

ParameterNormal RangeWhat it measures
Total CholesterolUnder 200 mg/dL desirableAll cholesterol combined
LDL ('bad')Under 100 mg/dL optimalDrives plaque buildup
HDL ('good')40+ men · 50+ women mg/dLProtective cholesterol
TriglyceridesUnder 150 mg/dL normalBlood fat from diet & sugar
Non-HDL CholesterolUnder 130 mg/dLTotal minus HDL
Cholesterol/HDL RatioUnder 5.0 (ideal <3.5)Combined risk indicator
USA Insurance Note
The Lipid Panel is billed under CPT 80061. At an annual physical it is usually covered as preventive screening with little or no out-of-pocket cost. When ordered to investigate a symptom, it may be applied to your deductible. Decode a specific value →

What your cholesterol numbers mean

LDL cholesterol

LDL is the number doctors focus on most because it directly contributes to plaque in your arteries. Under 100 mg/dL is optimal; 130–159 is borderline high; 160+ is high. Your personal target depends on your overall cardiovascular risk — someone who has had a heart attack may aim for under 70 mg/dL.

HDL cholesterol

Higher HDL is protective. Above 60 mg/dL is considered protective against heart disease, while below 40 (men) or 50 (women) is a risk factor. Exercise and healthy fats can raise it.

Triglycerides

High triglycerides are strongly tied to refined carbohydrates, sugar, alcohol, and excess weight — all common in the US diet. Under 150 mg/dL is normal; 150–199 borderline; 200+ high. Levels above 500 raise the risk of pancreatitis.

About statins
Statins are among the most prescribed drugs in the US. They mainly lower LDL and reduce heart-attack and stroke risk. Muscle aches are the most common complaint, but serious side effects are rare. Whether a statin is right for you depends on your 10-year risk, not LDL alone.