YOUR CARE. YOUR NUMBERS.

Compare your healthcare costs.

Compare your current insurance with insurance plus a Direct Primary Care membership. Enter your own costs to estimate the difference—for yourself or your family.

01 / WHO ARE YOU COMPARING?

Make it your estimate.

Enter costs for one person. Switching coverage keeps a separate estimate.

Start with your own numbers, or load a clearly labeled hypothetical example.

02 / INSURANCE + MEMBERSHIP

Compare your fixed costs.

Use the amount you pay, not your employer’s total plan cost. Compare the same people and coverage period.

Option 1: Traditional plan

The insurance plan you are comparing against DPC. Often has office-visit copays and a lower deductible. Enter only your insurance premium.

Traditional plan premium ($)

Traditional premium frequency

Option 2: High-deductible plan + DPC

The alternative insurance plan you would pair with Anchor DPC, such as an HSA-eligible high-deductible plan. Enter only its insurance premium; membership is added automatically below.

High-deductible plan premium ($)

High-deductible premium frequency

Compare premiums for the same people. Do not enter your HSA deposits, deductible, copays or DPC fee in either premium field. If you plan to keep the same insurance and add DPC, enter the same premium in both fields.

Enter both premiums to see their monthly equivalents.

Build your membership estimate.

Choose who needs care. Changing adult or child counts automatically selects the cheaper full primary care option. You can also select a membership manually; that choice stays selected until you change your household. Virtual Plus stays separate because its benefits and visit fees differ.

Adults

Children

Membership option

Estimated membership: $79/month

Published rates checked October 19, 2026: founding adult $79/month; child $45/month; founding family $249/month; Virtual Plus $25/month per adult. Founding rates are limited; family eligibility and availability must be confirmed with Anchor. This calculator does not assume a family adult limit or determine eligibility. View current membership details ↗

03 / EVERYDAY CARE

Include the visits you expect.

Optional. Count only visits you expect DPC to provide. For family coverage, use the total across all covered members.

Primary care visits through DPC / year

Traditional plan cost to you / visit ($)

Enter your copay OR estimated deductible/coinsurance payment—not both. Use $0 for preventive visits already fully covered by insurance.

Included DPC visits are modeled at $0 extra per visit; additional Virtual Plus office visits are charged at $35 each. Labs, medications, procedures and services outside your membership may cost extra. Only count an urgent-care visit here if DPC could appropriately provide that same care; never count emergency care as replaced.

Other costs, labs & employer contributions

Annual totals. Leave blank to omit. Include specialist, urgent care, hospital, prescription, lab and procedure costs here as applicable. Exclude visits already counted above.

Other costs: traditional plan ($/year)

Other costs: HDHP + DPC ($/year)

Employer HSA/HRA funds used: traditional ($/year)

Employer HSA/HRA funds used: HDHP + DPC ($/year)

Enter only employer funds you expect to use on eligible expenses in this comparison. Do not enter your own HSA contributions or funds already subtracted from another input. Tax savings are not modeled.

04 / A HIGHER-COST YEAR

Check your financial exposure.

Optional. Enter each plan’s in-network out-of-pocket maximum for the selected coverage. This is a separate scenario, not an added expense in your main estimate.

Traditional out-of-pocket maximum ($)

HDHP out-of-pocket maximum ($)

Use the family maximum for family coverage. Deductibles are part of eligible cost-sharing; do not add them again to this maximum.

YOUR ESTIMATED DIFFERENCE

Add your costs to compare

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Enter both insurance premiums and choose your household.

Your numbers. No assumed savings.

This estimate is based only on the expenses you enter.

Your annual breakdown

Individual • annual costs
Cost	Traditional	HDHP + DPC

Enter both insurance premiums to compare. Optional expenses default to $0.

Care with a personal connection.

✓ Longer appointments

✓ Direct provider access by phone or text

✓ No extra visit charge for included care

Check your selected membership for included services and any separate charges.

Explore Memberships Ask Us About Your Estimate

Understand your estimate.

DPC is not insurance. Your insurance continues to determine coverage, deductibles, networks and cost-sharing for services billed through your plan. DPC does not lower your insurance deductible or out-of-pocket maximum. Do not assume membership fees count toward either.

This calculator compares entered dollar amounts, without tax adjustments. It is an estimate, not a quote or a recommendation to change insurance. Excluded expenses, changes in healthcare use and higher cost-sharing can change or reverse estimated savings. The higher-cost-year illustration includes premiums, the entered in-network maximum and DPC fees; it is not a ceiling on all healthcare spending. Noncovered and out-of-network expenses may add to it.

Your entries stay in this page’s memory. The calculator does not submit or store them. Reloading clears them.