Calculator

DPC vs Concierge Cost Calculator

Compare annual out-of-pocket cost across direct primary care, concierge medicine, and traditional insurance — with the new January 2026 HSA rules built in.

Household size

Primary member age

Doctor visit frequency

3-6 visits per year; routine follow-ups

Current insurance

Federal tax bracket (used to calculate HSA tax savings)

Estimated annual cost

Includes membership, insurance premium, and remaining out-of-pocket spend. HSA tax savings are subtracted where applicable.

Traditional

$10,080

DPC

$9,448

Concierge

$14,100

DPC is the lowest-cost option for your inputs at $9,448/yr. That is $4,652 less than the most expensive option (Concierge).

DPC

Membership: $1,920
Premium: $7,200
Other OOP: $750
HSA tax savings: -$422
Total: $9,448

•OBBBA (Jan 2026): up to $300/mo of DPC fees is HSA-eligible — saves ~$422 at the 22% bracket.

Concierge

Membership: $6,000
Premium: $7,200
Other OOP: $900
Total: $14,100

•Concierge fees are NOT HSA-eligible under OBBBA — they replace insurance-billable services.
•Most concierge practices still bill your insurance for visits; the membership covers access.

Traditional Only

Membership: $0
Premium: $7,200
Other OOP: $2,880
Total: $10,080

•Assumes family HDHP premium contribution and typical deductible spend.

Disclaimer: Estimates only. Actual costs vary by zip code, employer contribution, plan deductible, and individual practice fees. The 2026 HSA-eligibility logic reflects OBBBA Section 71306 as published — confirm with your tax advisor before relying on deductions. This is not medical, tax, or legal advice. Last updated: April 2026.

DPC vs Concierge Cost Calculator

Estimated annual cost

Related Reading