Cost comparison tool
Insurance vs Direct Primary Care (DPC) Cost Calculator
Compare estimated monthly and annual costs between a traditional insurance scenario (premium + primary care visits) and a DPC membership combined with wrap coverage or a health sharing plan.
Step 1: Enter your insurance details
Monthly insurance premium
Your share of the monthly premium after any subsidies.
Primary care visit cost under insurance
Typical copay or estimated out-of-pocket cost per visit.
Number of primary care visits per year
Include routine and sick visits you expect in a typical year.
Step 2: Enter your Direct Primary Care costs
Monthly Direct Primary Care membership
Flat monthly membership fee for a DPC clinic.
Monthly wrap coverage or health share cost
Any separate plan you would keep for major medical expenses.
This tool uses simple math to compare estimated healthcare costs. Results are for educational purposes only and do not represent financial, medical, or insurance advice.