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Employer Savings Calculator — Direct Primary Care
How Much Could Your Business Save With Direct Primary Care?
Run the numbers for your employee count and contribution approach. Adjust the inputs below to estimate your annual savings with Direct Primary Care (DPC) plus a health share plan compared to a traditional group health plan.
Takes about 60 seconds. No login required.
🌿 Direct Primary Care — Employer Benefit Calculator
Offer a Health Benefit Your Team Deserves at a Cost Your Business Can Control.
Direct Primary Care gives your employees a real doctor — same-day access, no copays, wholesale Rx — at a flat monthly rate. See your exact cost, tax savings, and how pairing DPC with a health share compares.
Why employee access to primary care matters for your business
Fewer sick days
Employees with a doctor they can reach same-day address problems early — before a minor illness becomes a multi-day absence.
Less presenteeism
Coming to work sick or quietly managing untreated conditions costs more than absences. Accessible care means issues get resolved.
Stronger retention
Benefits matter in hiring, especially for small businesses competing without full insurance packages. DPC is tangible, affordable, and easy to explain.
No ER or urgent care scramble
Without a primary care doctor, employees default to ERs for things a same-day visit could handle. With DPC, they have a direct line.
Completely predictable cost
No claims, no renewal surprises, no per-visit billing. You know exactly what this costs every month.
What employees get with Direct Primary Care
📋No co-pays or per-visit fees for office visits, telehealth, or portal messages
📅Same-day and next-day appointments
📱Direct phone and text access to their provider
🔬Labs at near-cost
💊Wholesale generic prescription pricing (75–90% off retail)
❤️Preventive care and chronic disease management
Flat monthly membership rate — varies by practice
Most DPC practices charge between $70–$125/mo per person. Use the rate adjuster in the calculator below to match your practice's actual rate.
Labs and prescriptions — check with your practiceSome DPC practices include labs and generic Rx in the membership; others bill them separately at near-cost. Ask your practice what's included. If billed separately, the employee typically pays at the time of service, or the employer may choose to cover those costs as well.
Your numbers
Monthly DPC membership rate per person
Set this to match the rate your practice charges. Most range from $70–$125/mo.
$/mo
$50$85/mo$150
How many employees would you enroll?
18 employees100
How much of the membership will you cover?
Your contribution is a pre-tax business expense — tax savings calculated below.
Typical employee income tax bracket
Used to show employee tax savings on their share.
Exact cost
You pay / employee / mo
$85
Employee pays / mo
$0
Monthly cost — 8 employees$680
Annual cost$8,160
Employee savings — pre-tax & HSA
Pre-tax payroll deduction
If the employee's share is deducted pre-tax through a properly structured payroll arrangement, they save on both income tax and FICA. Consult a benefits advisor to confirm your plan qualifies.
Employee DPC share / year$0
Pre-tax savings (income tax + 7.65% FICA)$0
Employee net cost after pre-tax savings$0
HSA option — 2026 rule change
Starting January 1, 2026, employees enrolled in an HSA-eligible High Deductible Health Plan (HDHP) can use pre-tax HSA funds to pay their DPC membership fees — up to $150/month. This is a new IRS rule and a meaningful benefit for employees who have an HDHP.
Employee DPC share eligible for HSA / mo$0
Estimated HSA tax savings / year$0
Requires an HSA-qualified HDHP. Health share plans do not qualify. Confirm current IRS rules with a tax advisor before making HSA contribution decisions.
DPC + health share — coverage for major medical
DPC covers primary care only. For surgery, hospitalization, or specialist care, employees can independently pair DPC with a health share plan. Select one to see the approximate combined monthly cost.
Sedera
Incident-based sharing. No monthly max.
Health share alone
$135–$185/mo
Zion Health
Faith-based community. Low monthly unshared.
Health share alone
$120–$165/mo
Liberty HealthShare
Flexible tiers. Large member network.
Health share alone
$160–$220/mo
CrowdHealth
AI-assisted model. Newer option.
Health share alone
$150–$195/mo
Combined monthly cost
DPC membership
$85/mo
Health share range
—/mo
Combined total
—/mo
These are approximate ranges, not quotes or guarantees.Health share plans are not insurance and are not regulated as such. Coverage terms, sharing limits, and eligible expenses differ between plans. Employees should review each plan's member guidelines carefully before enrolling.
hsaforamerica.com is a good resource for both individuals and employers — they specialize in health share plans and coverage options that pair well with DPC.
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Find a Direct Primary Care Practice Near You
The DPC Frontier Mapper lists hundreds of Direct Primary Care practices across the country. Search by zip code to find one near you.
This calculator shows exact DPC membership costs only. Employee pre-tax savings shown are estimates based on the selected tax bracket and do not constitute tax or legal advice — consult a qualified accountant or benefits advisor for guidance specific to your situation. DPC is not insurance. Health share ranges are approximate averages only; actual costs vary by individual. HSA eligibility rules reflect anticipated 2026 IRS guidance — confirm current rules with a tax advisor before making contribution decisions.
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