How Much Does Direct Primary Care Cost?

Direct Primary Care (DPC) replaces insurance billing for primary care with a flat monthly membership. Across the 2,781+ providers we track in 51 states, the average membership is about $92 per month, with a median of $80 per month. Most individual plans land between $50 and $150 per month.

What the Monthly Fee Includes

A DPC membership typically covers unlimited primary care visits, longer appointments, same- or next-day availability, and direct phone or text access to your doctor. Many practices also pass through labs, imaging, and generic medications at discounted wholesale rates, so the membership fee is often not your only saving.

What Affects the Price

Age and plan type — pediatric and student memberships are usually the cheapest; family plans bundle multiple members at a lower per-person rate.
Location — memberships in higher cost-of-living metros tend to run above the national average.
Included services — practices that bundle in-house labs, procedures, or telehealth may price slightly higher but reduce outside spending.

DPC vs. Insurance for Primary Care

For routine care, a median DPC membership of $80/month buys unlimited visits with no copays. Traditional insurance still charges premiums plus per-visit copays for the same primary care. Most DPC members keep a high-deductible or catastrophic plan (or a health sharing plan) for emergencies, hospitalizations, and specialists, and use DPC for everything routine.

HSA and FSA Eligibility

As of January 1, 2026, DPC memberships are HSA-eligible under the One Big Beautiful Bill Act. Monthly fees under $150 per individual (or $300 per family) qualify as tax-deductible medical expenses, so you can pay with pre-tax dollars.

How We Calculate These Numbers

These figures are derived from the membership pricing published by 2,781+ Direct Primary Care providers across 51 states in the Connectedly Health directory, last updated 2025-10-23. For a full state-by-state breakdown, see our DPC Pricing Index.

Direct Primary Care Cost: Frequently Asked Questions

How much does direct primary care cost per month?

The national average Direct Primary Care membership is about $92 per month in 2026, with a median of $80 per month. Most individual plans fall between $50 and $150 per month for unlimited primary care.

What is included in a DPC membership fee?

The flat monthly fee typically covers unlimited primary care visits, longer appointments, direct phone or text access to your doctor, and basic in-office procedures. Labs, imaging, and medications are often available at discounted wholesale prices.

Is direct primary care cheaper than insurance for primary care?

For routine primary care, DPC is often less expensive: a median membership of $80/month gives unlimited visits with no copays, versus insurance premiums plus $20-50 copays per visit. Most members keep a high-deductible or catastrophic plan for emergencies and specialists.

Can I pay for DPC with an HSA or FSA?

Yes. As of January 1, 2026, DPC memberships are HSA-eligible under the One Big Beautiful Bill Act. Monthly fees under $150 per individual (or $300 per family) qualify as tax-deductible medical expenses.

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