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.

Terms of Service | DPC + HSA Calculator

Last updated: April 2, 2026

Calculator for Informational Purposes

The DPC + HSA Calculator provides estimates only. Results are based on:

Average DPC pricing in your area (actual prices vary by practice)
Estimated HDHP premiums (your actual premium depends on your employer/marketplace)
Simplified tax calculations (consult a tax professional for your specific situation)

Not Medical or Financial Advice

This calculator is not a substitute for professional advice. Before making healthcare or financial decisions:

Consult with healthcare providers about your medical needs
Speak with a financial advisor about HSA strategies
Review insurance options with a licensed broker
Consult a tax professional about HSA deductions

Practice Information

DPC practice listings are sourced from public directories and may not be current. We make no guarantees about:

Practice availability or acceptance of new patients
Accuracy of pricing, services, or contact information
Quality of care provided

Always verify information directly with the practice before enrolling.

Limitation of Liability

We provide this tool "as is" without warranties. We are not liable for any decisions made based on calculator results, including financial losses, inadequate insurance coverage, or healthcare outcomes.

Changes

We may update these terms at any time. Continued use of the calculator constitutes acceptance of updated terms.

Contact

Questions? Email us at hamshom@gmail.com