Guides
Direct Primary Care Guides: Costs, HSA Rules, Medicare and Pairings
Every practice on this site says "you still need coverage for the big stuff." These guides explain what that coverage is, how it pairs with a membership, and what changed in 2026.
What Is Direct Primary Care and What Does a Membership Cover?
Direct primary care is a flat monthly membership for unlimited primary care with no insurance billing. What it covers, what it costs in 2026, and what it leaves out.
Can You Pay for Direct Primary Care With an HSA in 2026?
Yes, within limits. Since January 1, 2026 a DPC membership up to $150 a month is HSA-compatible under P.L. 119-21. What qualifies, what does not, and how to pair the plan.
Direct Primary Care vs Concierge Medicine: What Is the Difference?
Both charge a membership, but concierge practices also bill your insurance and cost several times more. How the two models differ in price, access and who pays the doctor.
Does Direct Primary Care Work With Medicare?
It can, with care. Most DPC doctors opt out of Medicare, so you sign a private contract and keep Part B for everything else. How it works, which plans clash, and who pairs it.
How Small Employers Offer Direct Primary Care as a Benefit
More than half of DPC memberships are now employer-funded, at $55 to $125 per employee per month. How a small business adds DPC, what it must still cover, and local rates.
Direct Primary Care With a Health Share: How the Pairing Works
Health shares are not insurance, but several are built to sit beside a DPC membership and discount it. How Sedera, Zion and others pair, the risks, and who should not do it.
Can a Fixed Benefit Plan Reimburse Direct Primary Care Visits?
Some fixed indemnity plans pay a set cash benefit per office visit, lab or procedure. With an itemized superbill, a DPC member can recover part of the membership. How it works.