DPC + HSA
HSA-Eligible Since 2026

Healthcare without the markup.

Calculate if Direct Primary Care could save you money. Compare costs across 3,000+ practices nationwide.

TRY CALCULATOR
3,000+
Practices
$50-150
Per Month
20-35%
Tax Savings

What Does DPC Cover?

Direct Primary Care handles everyday healthcare. You'll still need insurance for catastrophic events.

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Unlimited Visits
No copays, no limits
Same-Day Access
See your doctor when you need to
Direct Communication
Text, call, or email your doctor
Chronic Care
Diabetes, hypertension management
Discounted Labs
80-90% off retail prices
Minor Procedures
Stitches, skin biopsies, etc.
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Specialists
Cardiologists, dermatologists
Emergency Room
ER visits and urgent care
Surgery
Any surgical procedures
Hospitalizations
Inpatient stays
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Recommended: Pair DPC with a High Deductible Health Plan (HDHP). It covers catastrophic care while DPC handles day-to-day visits.

Cost Calculator

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3
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For HSA tax savings estimate

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For age-adjusted HDHP estimates

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If you have an actual quote

$300
$0Max: $359
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We'll use plan averages if blank

Common Questions

Everything you need to know about DPC and HSA savings

DPC is a healthcare model where you pay a monthly fee ($50-150) directly to your primary care doctor. This covers unlimited visits, same-day appointments, and direct access via text, phone, or email. DPC practices don't bill insurance, which means less paperwork and more time with your doctor.
Yes! As of 2026, DPC memberships are HSA-eligible under federal legislation (the "One Big Beautiful Bill Act" signed July 2025). IRS Notice 2026-05 allows you to pay your monthly DPC fee with pre-tax dollars and save 20-35% depending on your tax bracket. Monthly fees must be under $150 for individuals or $300 for families.
Yes. DPC covers primary care only — not specialists, ER visits, or hospitalizations. Most DPC patients pair their membership with a High Deductible Health Plan (HDHP) for catastrophic coverage. The HDHP costs less than traditional insurance, often offsetting the DPC fee.
Typically $50-150/month for adults, with family discounts. This includes unlimited visits, chronic care management, and direct doctor access. Many practices also offer wholesale lab pricing (80-90% cheaper than hospitals).
Use your insurance or pay cash. Your DPC doctor can refer you and coordinate care. Some practices have relationships with specialists offering cash-pay discounts.
No. Concierge medicine costs $2,000-10,000+/year and often bills insurance too. DPC is $600-1,800/year and never bills insurance for primary care. It's designed to be accessible to middle-class families.
Estimates improve with more details. Fill in the optional fields (age, HDHP premium quote, HSA contribution, deductible) for maximum accuracy. Without these, we use industry averages which may differ by 10-30%.
HSAs are triple tax-advantaged. If you can afford it, maxing out ($4,300 single, $8,550 family in 2026) is often recommended. Use the HSA contribution slider in the calculator to match your budget.

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