What is Direct Primary Care (DPC)?

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.

Can I use my HSA to pay for DPC?

Yes! As of 2026, DPC memberships are HSA-eligible under the Primary Care Enhancement Act. Pay your monthly fee with pre-tax dollars and save 20-35% depending on your tax bracket.

Do I still need health insurance with DPC?

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.

How much does DPC cost?

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).

Is DPC the same as concierge medicine?

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.

DPC typically covers: unlimited primary care visits, same-day appointments, direct communication with your doctor (text, phone, email), chronic disease management (diabetes, hypertension), discounted labs (80-90% off), and minor procedures (stitches, skin biopsies). It does NOT cover specialists, emergency room visits, surgery, or hospitalizations.

Privacy Policy | DPC + HSA Calculator

Last updated: April 2, 2026

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When you use our calculator, we collect:

Zip code — to find DPC practices near you
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Contact

Questions? Email us at hamshom@gmail.com