The most common question about direct primary care: "How much does it actually cost?" Here's the straightforward answer, with real pricing data from across the U.S.
Typical DPC Monthly Pricing
| Age Group | Typical Monthly Range | Average |
|---|---|---|
| Children (0–17) | $25–$50/mo | ~$35/mo |
| Young Adults (18–39) | $50–$100/mo | ~$75/mo |
| Adults (40–64) | $75–$150/mo | ~$100/mo |
| Seniors (65+) | $100–$200/mo | ~$125/mo |
| Family (2 adults + 2 kids) | $200–$400/mo | ~$250/mo |
Pricing varies by practice, location, and services included. Many clinics offer family discounts.
What's Typically Included
Most DPC memberships include all of the following at no additional charge:
Usually Included
- Unlimited in-office visits
- Telehealth / video visits
- Direct messaging (text, email, app)
- Same-day or next-day scheduling
- Annual physical / wellness exam
- Basic lab work (CBC, metabolic panel, lipids, A1C)
- Simple procedures (stitches, ear lavage, skin biopsies)
- Chronic disease management
Usually Extra (at Wholesale Prices)
- Advanced labs (hormone panels, STI screens)
- Imaging (X-ray, ultrasound, MRI)
- Generic medications (at cost or wholesale)
- Specialty referrals
- Joint injections, IUDs
Wholesale Pricing Saves Patients 80–90%
One of the biggest financial advantages of DPC is access to wholesale pricing on labs, imaging, and medications. Because DPC clinics don't bill insurance, they can negotiate directly with suppliers. Here's what that looks like:
| Service | Insurance/Cash Price | DPC Wholesale Price |
|---|---|---|
| Comprehensive metabolic panel | $150–$300 | $5–$15 |
| Lipid panel | $100–$250 | $5–$10 |
| Generic metformin (90-day) | $30–$60 | $4–$8 |
| Knee MRI | $1,000–$3,000 | $300–$500 |
HSA Tax Savings (New for 2026)
Starting in 2026, DPC memberships are a qualified HSA expense under the One Big Beautiful Bill Act (OBBBA), H.R. 1. This means you can pay your DPC membership tax-free from your Health Savings Account, effectively saving 20–35% depending on your tax bracket.
For a family paying $250/month for DPC: that's $3,000/year. At a 24% marginal tax rate, HSA eligibility saves you $720/year in taxes alone.
Is DPC Worth It?
The membership pays for itself if you visit the doctor more than 3–4 times per year (at typical cash-pay rates of $150–$200/visit). But the value goes beyond visit math:
- Unlimited messaging replaces many in-person visits entirely
- Wholesale labs and meds save hundreds per year for chronic conditions
- Same-day access means fewer ER/urgent care trips ($200–$500+ each)
- Longer visits catch problems earlier, reducing downstream costs
See pricing from real clinics
Every listing on DPCPassport shows transparent membership pricing. Search by your city or state to compare costs.
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