Estimator
Annual Healthcare Savings Estimator
Project how much you would save in a typical year by switching from traditional insurance to a DPC or concierge membership. Includes 2026 OBBBA HSA tax savings.
I am evaluating
Each visit costs ~$35 in copays under PPO
~$55 per visit
~$180 per visit out-of-pocket
~$1400 per non-admitted visit
Annual physical labs, lipid panels, A1C, etc.
Used to value time saved on shorter visits
Estimated annual savings
$1,238
Switching to DPC would save you about $1,238 per year for your household profile.
Where the savings come from
Primary care copays
Unlimited primary visits are included in DPC.
Save $280
$280 → $0
Specialist copays
DPC does not change specialist billing — these still flow through your insurance.
Save $0
$330 → $330
Urgent care visits
~1.2 of your urgent care trips are avoidable with 24/7 doctor access.
Save $216
$360 → $144
Non-admitted ER visits
Direct doctor access deflects a meaningful share of low-acuity ER visits.
Save $420
$1,400 → $980
Routine labs
DPCs pass through Quest/LabCorp wholesale rates — often 70-80% off retail.
Save $380
$480 → $100
Time saved (productivity)
~12 hours/yr saved per adult on shorter waits and telemedicine visits.
Save $1,440
Membership fee (DPC)
~$80/mo per adult, $20/mo per child
Add $1,920
HSA tax savings (OBBBA Jan 2026)
DPC fees up to $150/$300/mo are HSA-eligible at your 22% bracket.
Save $422
Current spend
$2,850
Projected spend
$1,612
Net savings
$1,238
Related Reading
DPC Cost Savings: Real Numbers
Itemized case studies of patients who switched to DPC and what they saved.
HSA-Eligible DPC: The OBBBA Rule
How to claim the new $150/$300 monthly HSA deduction starting January 2026.
Is Concierge Medicine Worth the Price?
When the white-glove access pays for itself, and when it does not.