People with no insurance, or with a deductible in the thousands, pay full price for most primary care. Reach them with clear prices and real examples of what a visit or a lab costs with and without membership.
Who they are
- People between jobs.
- Workers whose employers offer no coverage.
- People on high-deductible plans who avoid the doctor because of cost.
- People with health-sharing plans. More on health-sharing members.
What to say
Show the math. In a made-up example: a sick visit and a strep test cost $180 cash at urgent care. A member pays nothing for the visit and a few dollars for the test. Two of those a year nearly cover a few months of membership. Use your own real prices.
Answer the hard question
Be clear that DPC doesn't cover hospital stays, surgery or specialists. Suggest they look at insurance or other coverage for those. Honesty here builds trust.
HSAs
Rules on paying for DPC with an HSA changed in 2026. Point people to the details and to their own tax advisor. HSAs and DPC after the 2026 rule change.
Where to reach them
- Search terms like "doctor without insurance" and "cash price doctor visit." Paid search ads.
- Small businesses with no health plan.
- Community groups and local Facebook groups.
What I'd do this week
- Write three real price examples for your website.
- Add a short "No insurance?" section to your pricing page.
- Write a one-line answer to "What does DPC not cover?"
Common questions
Should I offer a lower price for uninsured people?
You can offer a few scholarship memberships. Set clear rules and record the discount properly in your books.
Can people with no insurance join?
Yes. Membership doesn't require insurance.
What if they need a specialist?
Help them find cash prices or other options. Keep a list of fair-priced specialists.
Want to see what each member is worth?
We reconcile every account every month and send your P&L and Balance Sheet by the 15th, so you can see what each new member is worth and what it cost to get them. If that's what you need, apply to work with us.