How much does direct primary care cost?
A direct primary care membership typically runs about $99 a month, with most practices between $75 and $125.
That is the individual adult monthly base membership, standard adult tier where practices tier by age. Based on published rates at 149 practices in the Radi8 Health directory, updated August 2026. Excluded: children and student rates, family and couple caps, virtual-only plans, and per-visit add-ons. Monthly membership rate; one-time enrollment fees, where charged, are not included.
What the membership covers, and what it does not
A membership covers primary care: office visits, direct messaging or phone access to your physician, longer appointments, and often basic in-office services. Some practices include or discount routine labs and generic medications. Direct primary care is not insurance: it does not cover hospital stays, surgery, specialists, or emergencies. Most members pair a membership with a higher-deductible insurance plan, a health-sharing plan, or an HSA-eligible plan.
Direct primary care cost by state
Indicative pricing for the states where enough practices in our directory publish a rate. These are practices in the Radi8 Health directory that publish a price, not a census of every practice in the state. Each row shows its sample size. States with fewer than 15 sampled practices show a range and count only.
| State | Practices sampled | Median | Range |
|---|---|---|---|
| Kentucky | 18 | $80 | $45–$650 (top of range is a single concierge practice; the median reflects typical pricing) |
| Tennessee | 18 | $99 | $29–$350 |
| New Jersey | 14 | — | $50–$339 |
| Nebraska | 11 | — | $30–$350 |
| Iowa | 9 | — | $49–$230 |
| Maine | 6 | — | $90–$135 |
What affects the price
- Care model: concierge practices, which often still bill insurance, tend to price above DPC.
- What is bundled in: included labs, generic medications, and telehealth raise the base rate but can lower total spend.
- Location: local cost of living moves rates, which is why the state ranges differ.
- Tiers and age: many practices price by plan tier or age band.
- Enrollment fees: some practices charge a one-time enrollment fee on top of the monthly rate.
How DPC pricing compares to insurance
These are different tools rather than one being simply cheaper. A DPC membership is a flat, predictable monthly fee for primary care with no per-visit billing. Insurance spreads the risk of expensive hospital and specialist care. Many people use both. Radi8 Health does not publish a savings figure, because the real number depends on your health needs and existing coverage.
Frequently asked questions
How much does direct primary care cost?
Direct primary care memberships typically run about $99 a month, with most practices between $75 and $125. That figure is the individual adult monthly base membership across 149 U.S. practices that publish a rate in the Radi8 Health directory, updated August 2026. Rates range from about $25 to $650 a month, with the high end being concierge practices.
Is direct primary care the same as insurance?
No. A DPC membership covers primary care, office visits, messaging with your doctor, and longer appointments, not hospital stays, surgery, specialists, or emergencies. Most members pair a membership with a higher-deductible insurance plan, a health-sharing plan, or an HSA-eligible plan.
What does a DPC membership include?
Most memberships cover unlimited or extended primary care visits, direct messaging or phone access to your physician, and basic in-office services. Some include or discount routine labs and generic medications. What is included varies by practice, so confirm with each one.
Are there enrollment or extra fees?
The monthly figures here are membership rates only. Some practices charge a one-time enrollment fee, or add-on charges for certain labs, procedures, or medications, which are not included in these numbers. Check each practice's own pricing page.
Why do prices vary so much?
Rate depends on the care model, DPC versus concierge, what is bundled in such as labs, medications, and telehealth, local cost of living, whether the practice tiers by age, and family versus individual pricing.
How does DPC pricing compare to insurance?
They work differently rather than one simply being cheaper. A DPC membership is a flat, predictable monthly fee for primary care with no per-visit billing, while insurance spreads risk across hospital and specialist care. Many people use both. Radi8 Health does not estimate total savings, because that depends on your individual health needs and existing coverage.