{"id":3556,"date":"2026-09-01T18:32:11","date_gmt":"2026-09-01T18:32:11","guid":{"rendered":"https:\/\/drsoniafawad.com\/?p=3556"},"modified":"2026-09-01T18:32:11","modified_gmt":"2026-09-01T18:32:11","slug":"direct-primary-care-gains-momentum-as-experts-weigh-benefits-and-tradeoffs","status":"publish","type":"post","link":"https:\/\/drsoniafawad.com\/?p=3556","title":{"rendered":"Direct primary care gains momentum as experts weigh benefits and tradeoffs"},"content":{"rendered":"<p><br \/>\n<\/p>\n<div data-component=\"ArticleContent\">\n<div class=\"article__below-title\">\n<div class=\" article__posted-date\">\n<p>September 01, 2026<\/p>\n<p>9 min read<\/p>\n<\/p><\/div>\n<div class=\"mobile-trust-box\">\n<div class=\"row\">\n<div class=\"col-12 col-md-6 offset-md-1 offset-xl-0 col-xl-12\">\n<div class=\"email-alert-button-wrapper d-none\" data-component=\"EmailTopicAlert\" data-module=\"Subspecialty Email Topic Alerts Top\" data-manage-email-link=\"\/footer\/account-information\/my-account\/email-subscriptions-and-alerts#emailAlerts\">\n  <hidden data-setting-item=\"d265901d-6d37-49c7-a8f6-c7bf19a02509\"\/><br \/>\n  <hidden data-crm-source=\"Subspecialty Topic Alert\"\/><\/p>\n<div class=\"email-alert-button d-none\" data-topic-button=\"not-subscribed\">\n<p>&#13;<br \/>\n      <span data-module-track-action=\"Email Alerts TOP_Click_Healio News Article\" data-module-track-label=\"Email Alerts TOP_Healio News Article\">&#13;<br \/>\n        <i class=\"fas fa-plus-circle\"\/>&#13;<br \/>\n        Add topic to email alerts&#13;<br \/>\n      <\/span>&#13;\n    <\/p>\n<div class=\"email-alert-inner collapse ud4fa9aeee24849c88cac70842455ed65\">\n<div class=\"email-alert-dialogue\">\n<p>&#13;<br \/>\n          Receive an email when new articles are posted on <span data-content=\"topic-title\"\/>&#13;\n        <\/p>\n<div class=\"d-none\" data-sign-up-type=\"unknown\">\n          Please provide your email address to receive an email when new articles are posted on <span data-content=\"topic-title\"\/>.<\/p><\/div>\n<\/p><\/div>\n<p>      <button type=\"button\" class=\"btn btn-primary\" data-loading-text=\"Loading &lt;i class=\" fa=\"\" fa-spinner=\"\" fa-spin=\"\">&#8220;&#13;<br \/>\n              data-action=&#8221;subscribe&#8221;&gt;&#13;<br \/>\n        Subscribe&#13;<br \/>\n      <\/button>\n    <\/div>\n<\/p><\/div>\n<div class=\"d-none\" data-topic-modal=\"failed\">    <strong>We were unable to process your request. Please try again later. If you continue to have this issue please contact <a href=\"https:\/\/www.healio.com\/news\/primary-care\/20260901\/mailto:customerservice@slackinc.com\">customerservice@slackinc.com<\/a>.<\/strong>  <\/p>\n<p><button data-dismiss=\"modal\" class=\"btn btn-primary btn-lg btn-block\">Back to Healio<\/button><\/p>\n<\/div>\n<\/div><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/div>\n<h2>Key takeaways:<\/h2>\n<ul>\n<li>Direct primary care offers more personalized care and potential savings on medications and lab tests.<\/li>\n<li>However, it does not replace health insurance, and the membership fees may be a barrier for some.<\/li>\n<\/ul>\n<p>Membership-based primary healthcare is becoming commonplace, offering longer visits, more individualized care and lower out-of-pocket costs for certain tests and medications, according to experts.<\/p>\n<p>The American Academy of Family Physicians defines direct primary care (DPC) as an alternative to the traditional fee-for-service insurance billing model, where patients are charged a fee monthly, annually or biannually.<\/p>\n<figure class=\"figure article__og-image\">&#13;\n    <picture>&#13;<source srcset=\"https:\/\/www.healio.comhttps:\/\/www.healio.comhttps:\/\/www.healio.com\/~\/media\/slack-news\/fm_im\/misc\/infographics\/2026\/08_august\/pc0226umbehr_graphic_01_web.webp?w=476\" media=\"(max-width: 768px)\">&#13;<source srcset=\"https:\/\/www.healio.com\/~\/media\/slack-news\/fm_im\/misc\/infographics\/2026\/08_august\/pc0226umbehr_graphic_01_web.webp?w=800\" media=\"(max-width: 992px)\">&#13;<source srcset=\"https:\/\/www.healio.com\/~\/media\/slack-news\/fm_im\/misc\/infographics\/2026\/08_august\/pc0226umbehr_graphic_01_web.webp?w=595\" media=\"(max-width: 1200px)\">&#13;<source srcset=\"https:\/\/www.healio.comhttps:\/\/www.healio.comhttps:\/\/www.healio.com\/~\/media\/slack-news\/fm_im\/misc\/infographics\/2026\/08_august\/pc0226umbehr_graphic_01_web.webp?w=476\" media=\"(min-width: 1200px)\">&#13;<source srcset=\"https:\/\/www.healio.comhttps:\/\/www.healio.comhttps:\/\/www.healio.com\/~\/media\/slack-news\/fm_im\/misc\/infographics\/2026\/08_august\/pc0226umbehr_graphic_01_web.webp?w=476\">&#13;<br \/>\n&#13;<br \/>\n      <img decoding=\"async\" src=\"https:\/\/www.healio.com\/~\/media\/slack-news\/fm_im\/misc\/infographics\/2026\/08_august\/pc0226umbehr_graphic_01_web.jpg?w=800\" alt=\"PC0226Umbehr_Graphic_01_WEB\" class=\"figure-img img-fluid\" width=\"800\"\/>&#13;<br \/>\n    <\/source><\/source><\/source><\/source><\/source><\/picture>&#13;<figcaption class=\"figure-caption\">&#13;<br \/>\n      &#13;<br \/>\n    <\/figcaption>&#13;<br \/>\n  <\/figure>\n<p>These costs can vary, with monthly fees ranging from $50 to $150 for adults, $20 to $49 for youth and $100 or more for families. This fee covers most or all primary care services, \u201cincluding clinical and laboratory services, consultative services, care coordination, and comprehensive care management,\u201d according to AAFP.<\/p>\n<p>Similarly, concierge care also operates under a membership-based structure.<\/p>\n<p>Concierge care and DPC \u201care viewed interchangeably, but they are distinct,\u201d <b>Ann Greiner, MCP,<\/b> president and CEO of the Primary Care Collaborative, told Healio.<\/p>\n<p>While concierge care offers monthly and annual \u2014 although typically higher \u2014 fees like DPC, this model also may accept insurance plans and government programs.<\/p>\n<p>In comparison, DPC \u201cis no insurance coverage and a subscription fee, which is either paid by an individual or sometimes employers,\u201d Greiner said.<\/p>\n<p>For physicians who are interested in the DPC model but still want to offer traditional fee-for-service care to their patients, Greiner said hybrid models are an option. But such hybrid models can be complicated, \u201cand many practices just make that full on switch to DPC,\u201d she added.<\/p>\n<h2>DPC on the rise<\/h2>\n<p>According to an analysis published last year in <i>Health Affairs<\/i>, the number of concierge and DPC practices in the United States grew by 83.1% from 2018 to 2023 and the number of clinicians participating in them rose by 78.4%.<\/p>\n<p>There are currently around 3,163 DPCs in the U.S., according to the tracking group DPC Frontier Mapper.<\/p>\n<p>\u201cThe rise of concierge and direct primary care reflects, in many ways, dissatisfaction with the traditional primary care system,\u201d <b>Jane M. Zhu, MD, MPP, MSHP,<\/b> the study\u2019s lead author and an associate professor of medicine at the Oregon Health &amp; Science University School of Medicine, told Healio.<\/p>\n<p>As a primary care physician, Zhu said she sees \u201cthe pressures facing clinicians and patients in today\u2019s primary care landscape.\u201d<\/p>\n<p>\u201cMany physicians are struggling with administrative burden, time constraints and burnout, while patients face growing difficulty accessing timely care,\u201d she said. \u201cDPC and concierge models have emerged as one way clinicians can try to regain clinical autonomy and spend more time with patients. So, against this backdrop, it\u2019s important to understand how these models are evolving nationally.\u201d<\/p>\n<p>While the <i>Health Affairs <\/i>analysis \u201cwasn\u2019t a census and likely underestimates concierge and DPC practices nationally,\u201d Zhu said they \u201cobserved an impressive speed of growth over a 5-year period. This growth mirrors what we\u2019ve been seeing on the ground, with significant interest from clinicians and patients alike on these models.\u201d<\/p>\n<p>Greiner said<b> <\/b>there are a few possible explanations contributing to this rise, one of which is a new provision under H.R. 1, or <a rel=\"noopener noreferrer\" href=\"https:\/\/www.healio.com\/news\/primary-care\/20250703\/house-passes-big-beautiful-bill-heres-what-it-means-for-health-care\" id=\"rId14\" target=\"_blank\">the \u201cOne Big Beautiful Bill\u201d Act<\/a>, that now allows eligible individuals enrolled in DPC arrangements to contribute to a health savings account (HSA). These individuals can then \u201cuse their HSA funds tax-free to pay periodic DPC fees,\u201d according to the IRS website.<\/p>\n<p>According to AMA, patients with an HSA can use the funds to pay for DPC if fees are under $150 monthly for an individual and under $300 monthly for a family, though \u201cthe funds must be used for primary care services provided by a primary care physician or other allowed health professional.\u201d<\/p>\n<p>Greiner also noted that more employers are beginning to offer DPC, \u201cand they\u2019re using platforms that allow them to make these offerings available across the country.\u201d<\/p>\n<p>According to a 2025 report from Health Compiler, 58% of all DPC memberships in 2024 were employer-sponsored, an increase of 28% from 2022.<\/p>\n<p>One trend that Zhu said is \u201cworth watching over time\u201d is an increase in corporate ownership of concierge and DPC models, which rose in the <i>Health Affairs <\/i>analysis by 576% from 2018 to 2023, while independent ownership decreased from 84% to 59.7%.<\/p>\n<p>\u201cConcierge and DPC models are often framed as a response to corporatization and declining clinical autonomy,\u201d she explained. \u201cSeeing increasing corporate involvement suggests these models are evolving in ways that may diverge from their original vision.\u201d<\/p>\n<h2>Benefits of DPC<\/h2>\n<p>DPC practices \u201coffer clear benefits to clinicians, like smaller patient panels, reduced administrative burden and greater autonomy,\u201d all of which \u201cmay improve access and satisfaction for enrolled patients,\u201d Zhu said.<\/p>\n<p>\u201cThese models also respond to a real demand for accessible care, and many patients are willing to pay for more access and personalized care,\u201d she said.<\/p>\n<p>For <b>Josh Umbehr, MD,<\/b> a family physician and cofounder of Atlas.md, a software and DPC clinic, this model represents a way of making healthcare \u201cless than free.\u201d<\/p>\n<p>\u201cWhat that means to me is that you have all the care you need and money left over,\u201d Umbehr told Healio. \u201cIf you\u2019re spending $2,500 a month on healthcare and not getting $2,500 a month in value out of that, then we are limiting your life\u2019s potential.\u201d<\/p>\n<p>Out-of-pocket maximums with health insurance can cost thousands of dollars, Umbehr said.<\/p>\n<p>\u201cI think that, combined with HSA allowability and price transparency, we are going to see a lot more people question the cash price of their care,\u201d he said. \u201cNow insurance is so expensive, I might as well not have it for the first $5,000 or $6,000 in out-of-pocket costs.\u201d<\/p>\n<p>DPC can also help reduce drug costs for patients. For example, \u201cyour migraine medicine is $100 with a GoodRx coupon at the pharmacy. It\u2019s $5 with us,\u201d Umbehr said.<\/p>\n<p>\u201cIf you have a $50 a month membership, you\u2019re saving $45 a month, and you have your migraine medicine,\u201d he said. \u201cName-brand Lexapro for depression is $12 a pill. Generic Lexapro in my office is $0.04 a pill.\u201d<\/p>\n<p>The reason that medications are cheaper in DPC models, Umbehr explained, is because practices purchase them at wholesale prices.<\/p>\n<p>\u201cPharmacy benefit managers aren\u2019t involved because they\u2019re between the pharmacy and insurance, not necessarily between the pharmacy and patient,\u201d he said. \u201cA lot of times, they make the pharmacies sign contracts to affect the patient\u2019s cash price.\u201d<\/p>\n<p>      <b>Joshua Liao, MD, MSc, FACP,<\/b> a professor of medicine at the University of Texas Southwestern Medical Center, said during a presentation at ACP\u2019s Internal Medicine Meeting that DPC is often thought of as \u201cboutique care for the wealthy, but in reality, some of these services are priced in a way that are comparable to other fees you might pay in your life. There is skew for concierge medicine, but it does vary nonetheless.\u201d<\/p>\n<p>      <b>Brian <\/b><b>R. <\/b><b>Forrest, MD,<\/b> CEO of Access Healthcare Direct, told Healio that \u201cby not having to pay copays, and by not having to pay for labs or meet their deductibles, most people save more than the cost of their membership.\u201d<\/p>\n<p>While current literature on DPC is not \u201cthe strongest\u201d because of how new the model is, \u201cmost research suggests that there\u2019s a 65% cost reduction of taking care of patients,\u201d <b>Norman M. Dy, MD, MBA, FACP,<\/b> an internal medicine physician and DPC provider at Johns Hopkins Community Physicians, told Healio. This is because specialty care and emergency care are often avoided \u201ca great deal by timely advice and intervention\u201d thanks to DPC, he said.<\/p>\n<p>According to <b>Philip Eskew, DO, JD, MBA<\/b><b>, <\/b>a physician and founder of Direct Primary Care Frontier, \u201cmost conditions are not isolated acute issues but rather are acute-on-chronic in origin until proven otherwise. By addressing a chronic issue, we decrease the chance of repeat acute exacerbations that would require emergency and specialist intervention,\u201d he told Healio, adding that patients with complex or chronic conditions \u201care more likely to join DPC practices than healthy patients without any concerns.<\/p>\n<p>\u201cBy sorting out and appropriately identifying and treating their chronic conditions the patient can spend more time living their life and the physician gradually spends less time with the patient as chronic conditions are identified and better managed,\u201d he said.<\/p>\n<p>A big reason why DPC allows for higher quality and more individualized care is due to the smaller patient panel sizes. According to AAFP, the typical panel size for a DPC practice is about 413 patients vs. about 1,700 patients in a typical family medicine practice.<\/p>\n<p>Higher panel sizes <a rel=\"noopener noreferrer\" href=\"https:\/\/www.healio.com\/news\/primary-care\/20251105\/study-pcps-spend-about-62-hours-a-week-caring-for-patients\" id=\"rId15\" target=\"_blank\">typically limit visits to 15 minutes<\/a>, \u201cand it allows even the best clinicians to just basically spot weld problems,\u201d Dy said. <\/p>\n<p>\u201cIt\u2019s impossible to do a comprehensive visit in 15 minutes,\u201d he added.<\/p>\n<p>In contrast, the smaller panel sizes in DPC practices allow clinicians \u201cto spend more time with the patient and give comprehensive, convenient care that\u2019s much more fulfilling to both the providers and the patient,\u201d Dy said.<\/p>\n<p>      <b>Carolyn L. Engelhard,<\/b> <b>MPA,<\/b> associate professor emerita at the University of Virginia School of Medicine, told Healio that DPC \u201cis fine as &#8230; an adjunct to real insurance. This is the best of both worlds: guaranteed access to primary care with a safety net of insurance if there is a serious and\/or costly condition.\u201d<\/p>\n<h2>The drawbacks<\/h2>\n<p>According to AMA, the downsides of DPC for physicians may include fewer patients overall, less income at the beginning of a practice, and \u201ccomplications related to operating outside of traditional payment models.\u201d<\/p>\n<p>Another important consideration is how affordable it is for lower-income populations, or if it is \u201creally only for folks who have more disposable income and can afford to pay this monthly subscription cost,\u201d Greiner said.<\/p>\n<p>Dy noted that an $80 to $150 monthly fee \u201cis considerable<b> <\/b>for many patients.\u201d<\/p>\n<p>\u201cThat\u2019s the same cost as utilities or paying for gas to get to work,\u201d he said.<\/p>\n<p>Also, if more physicians transition to DPC \u201cwithout a corresponding expansion of the primary care workforce,\u201d this could limit primary care access to patients who choose a traditional fee-for-service model, Zhu said. <\/p>\n<p>If the census of traditional primary care is decreased, \u201cyou\u2019ll need more providers, and we don\u2019t even have enough providers now,\u201d Dy said.<\/p>\n<p>While DPC \u201cdoes reduce certain aspects\u201d of administrative burden, Liao said it can create \u201cother types of burden.\u201d For example, physicians may feel obligated to conduct a lab or test, even when not indicated, and patient relationships are \u201c24\/7,\u201d<b> <\/b><b>Roger Khetan, MD, FACP,<\/b> a physician at North Texas Preferred Health Partners, said during the ACP presentation.<\/p>\n<p>\u201cYou are checking your email constantly,\u201d he said.<\/p>\n<p>In addition, DPC physicians are limited in \u201cwhat they can offer if medical problems get chronic and expensive,\u201d Engelhard said.<\/p>\n<p>\u201cThey have to be able to refer to specialists for cancer care and other kinds of specialty treatment,\u201d she said. \u201cSome DPC PCPs have those relationships, but specialty doctors will not do \u2018contract\u2019 or \u2018membership\u2019 medicine like DPC, so patients need to know that up front.\u201d<\/p>\n<h2>Assessing DPC \u2018will be important\u2019<\/h2>\n<p>The rise of DPC may reflect \u201ca failure on the part of policy \u2014 that we\u2019re not <a rel=\"noopener noreferrer\" href=\"https:\/\/www.healio.com\/news\/primary-care\/20250224\/this-hurts-third-annual-primary-care-scorecard-details-fields-systemic-underinvestment\" id=\"rId16\" target=\"_blank\">adequately supporting primary care<\/a> \u2014 and so people are finding these arrangements outside of the insurance system,\u201d Greiner said.<\/p>\n<p>\u201cIf we were adequately supporting primary care, and we didn\u2019t have all the administrative burden that is on primary care, perhaps these models wouldn\u2019t be in existence,\u201d she said.<\/p>\n<p>As DPC continues to develop, Zhu said that \u201ca key question is whether they ultimately increase overall primary care capacity or simply reallocate care toward patients who are able to access these models. Evaluation of these models will be important to promote or scale what is working well, but also to identify unintended consequences, and to ensure that we are investing in ways that improve access to primary care more broadly.\u201d<\/p>\n<h2>For more information:<\/h2>\n<p>      <b>Ann Greiner, MCP, <\/b>can be reached through Tod Didier, communications director at Primary Care Collaborative, at <a rel=\"noopener noreferrer\" href=\"https:\/\/www.healio.com\/news\/primary-care\/20260901\/mailto:tdidier@thepcc.org\" id=\"rId17\" target=\"_blank\">tdidier@thepcc.org<\/a>.<\/p>\n<p>      <b>Brian<\/b><b> R.<\/b><b> Forrest, MD<\/b><b>, <\/b>and<b> <\/b><b>Carolyn L. Engelhard,<\/b> <b>MPA,<\/b> can be reached at <a rel=\"noopener noreferrer\" href=\"https:\/\/www.healio.com\/news\/primary-care\/20260901\/mailto:primarycare@healio.com\" id=\"rId18\" target=\"_blank\">primarycare@healio.com<\/a>.<\/p>\n<p>      <b>Jane M. Zhu, MD, MPP, MSHP<\/b><b>, <\/b>can be reached at <a rel=\"noopener noreferrer\" href=\"https:\/\/www.healio.com\/news\/primary-care\/20260901\/mailto:zhujan@ohsu.edu\" id=\"rId19\" target=\"_blank\">zhujan@ohsu.edu<\/a>. <\/p>\n<p>      <b>Josh Umbehr, MD,<\/b><b> <\/b>a member of the Healio Primary Care Peer Perspective Board,<b> <\/b>can be reached through Carolina Cezari at <a rel=\"noopener noreferrer\" href=\"https:\/\/www.healio.com\/news\/primary-care\/20260901\/mailto:carolina@entermotion.com\" id=\"rId20\" target=\"_blank\">carolina@entermotion.com<\/a>.<\/p>\n<p>      <b>Norman M. Dy, MD, MBA, FACP<\/b><b>, <\/b>can be reached at <a rel=\"noopener noreferrer\" href=\"https:\/\/www.healio.com\/news\/primary-care\/20260901\/mailto:DirectPC@jhmi.edu\" id=\"rId21\" target=\"_blank\">DirectPC@jhmi.edu<\/a><\/p>\n<p>      <b>Philip Eskew, DO, JD, MBA,<\/b> can be reached at <a rel=\"noopener noreferrer\" href=\"https:\/\/www.healio.com\/news\/primary-care\/20260901\/mailto:philsq@gmail.com\" id=\"rId22\" target=\"_blank\">philsq@gmail.com<\/a>.<\/p>\n<div class=\"article__content--footer\">\n<div class=\"sources-references-disclosures\">\n<h3>Sources\/Disclosures<\/h3>\n<h2> Source: <\/h2>\n<p class=\"citation\">Healio Interviews<\/p>\n<h2>References:<\/h2>\n<ul class=\"list-unstyled references\">\n<li>Answers to six common questions about direct primary care. <a href=\"https:\/\/www.aafp.org\/pubs\/fpm\/blogs\/inpractice\/entry\/dpc-faqs.html\" id=\"rId23\" target=\"_blank\">https:\/\/www.aafp.org\/pubs\/fpm\/blogs\/inpractice\/entry\/dpc-faqs.html<\/a>. Published Oct. 28, 2025. Accessed Feb. 18, 2026.<\/li>\n<li>Direct primary care. <a href=\"https:\/\/www.aafp.org\/family-physician\/practice-and-career\/delivery-payment-models\/direct-primary-care.html\" id=\"rId24\" target=\"_blank\">https:\/\/www.aafp.org\/family-physician\/practice-and-career\/delivery-payment-models\/direct-primary-care.html<\/a>. Accessed Feb. 18, 2026.<\/li>\n<li>DPC frontier mapper. <a href=\"https:\/\/mapper.dpcfrontier.com\/\" id=\"rId25\" target=\"_blank\">https:\/\/mapper.dpcfrontier.com<\/a>. Accessed Aug. 31, 2026.<\/li>\n<li>Fee-based primary care is rapidly rising in U.S., hastening doctor shortages for public. <a href=\"https:\/\/carey.jhu.edu\/news\/fee-based-primary-care-rapidly-rising-us-hastening-doctor-shortages-public\" id=\"rId26\" target=\"_blank\">https:\/\/carey.jhu.edu\/news\/fee-based-primary-care-rapidly-rising-us-hastening-doctor-shortages-public<\/a>. Published March 16, 2026. Accessed July 1, 2026.<\/li>\n<li>Liao J, et al. Direct contracting and concierge medicine. Presented at: ACP Internal Medicine Meeting; April 16-18, 2026; San Francisco.<\/li>\n<li>Pondering direct primary care? 10 potential benefits and drawbacks. <a href=\"https:\/\/www.ama-assn.org\/medical-residents\/transition-resident-attending\/pondering-direct-primary-care-10-potential-benefits\" id=\"rId27\" target=\"_blank\">https:\/\/www.ama-assn.org\/medical-residents\/transition-resident-attending\/pondering-direct-primary-care-10-potential-benefits<\/a>. Published June 2, 2026. Accessed July 1, 2027.<\/li>\n<li>Slideshow: A week in the life of a family physician. Accessed March 12, 2026. <a href=\"https:\/\/www.aafp.org\/pubs\/fpm\/multimedia\/slideshows\/fp-hours-compensation.html\" id=\"rId28\" target=\"_blank\">https:\/\/www.aafp.org\/pubs\/fpm\/multimedia\/slideshows\/fp-hours-compensation.html#:~:text=Average%20patient%20panel%20size:%201%2C727,AAFP%202023%20Practice%20Profile%20Survey<\/a>. <\/li>\n<li>Treasury, IRS provide guidance on new tax benefits for health savings account participants under the One, Big, Beautiful Bill. <a href=\"https:\/\/www.irs.gov\/newsroom\/treasury-irs-provide-guidance-on-new-tax-benefits-for-health-savings-account-participants-under-the-one-big-beautiful-bill\" id=\"rId29\" target=\"_blank\">https:\/\/www.irs.gov\/newsroom\/treasury-irs-provide-guidance-on-new-tax-benefits-for-health-savings-account-participants-under-the-one-big-beautiful-bill<\/a>. Published Dec. 9, 2025. Accessed Feb. 18, 2026.<\/li>\n<li>What our study says about Direct Primary Care. <a href=\"https:\/\/www.milliman.com\/en\/insight\/what-our-study-says-about-direct-primary-care\" id=\"rId30\" target=\"_blank\">https:\/\/www.milliman.com\/en\/insight\/what-our-study-says-about-direct-primary-care<\/a>. Published June 29, 2020. Accessed July 1, 2026.<\/li>\n<li>Why 2025 Is the Tipping Point for Employer-Sponsored Direct Primary Care. <a href=\"https:\/\/www.healthcompiler.com\/resources\/blogs\/why-2025-is-the-tipping-point-for-employer-sponsored-direct-primary-care\" id=\"rId31\" target=\"_blank\">https:\/\/www.healthcompiler.com\/resources\/blogs\/why-2025-is-the-tipping-point-for-employer-sponsored-direct-primary-care<\/a>. Published Aug. 28, 2025. Accessed Aug. 26, 2026.<\/li>\n<li>      <a href=\"https:\/\/www.healthaffairs.org\/doi\/full\/10.1377\/hlthaff.2025.00656\" id=\"rId32\" target=\"_blank\">Zhu JM, et al. <i>Health Aff<\/i><i> (Millwood)<\/i>. 2025;doi:10.1377\/hlthaff.2025.00656.<\/a>    <\/li>\n<\/ul>\n<div class=\"disclosures\">\n<p>&#13;<br \/>\n        <strong> Disclosures: <\/strong>&#13;<br \/>\n        Dy, Engelhard, Eskew, Forrest, Greiner and Zhu report no relevant financial disclosures. Umbehr reports being the founder of Atlas.md.&#13;\n      <\/p>\n<\/p><\/div>\n<\/div>\n<p><!-- Healio AI Widget --><\/p>\n<div class=\"healio-ai-component-inline\" data-no-ads=\"true\" data-module-track-category=\"Healio AI\" data-module-track-action=\"Click\" data-module-track-label=\"Access Healio Ai from component - News_AI Component - In-Content (all devices)\">\n<div class=\"healio-ai-content\">\n    <img decoding=\"async\" src=\"https:\/\/m3.healio.com\/~\/media\/images\/healio-ai\/healio-ai_logo.svg\" alt=\"Healio AI\" class=\"healio-ai-logo\"\/><\/p>\n<p><strong>Ask a clinical question<\/strong> and tap into <strong>Healio AI&#8217;s knowledge<\/strong> base.<\/p>\n<ul>&#13;<\/p>\n<li>PubMed, enrolling\/recruiting trials, guidelines<\/li>\n<p>&#13;<\/p>\n<li>Clinical Guidance, Healio CME, FDA news<\/li>\n<p>&#13;<\/p>\n<li>Healio&#8217;s exclusive daily news coverage of clinical data<\/li>\n<p>&#13;\n    <\/ul>\n<p>    <button class=\"healio-ai-button\" onclick=\"window.location.href=\" https:=\"\">Learn more<\/button>\n  <\/div>\n<\/div>\n<div class=\"email-alert-button-wrapper d-none\" data-component=\"EmailTopicAlert\" data-module=\"Subspecialty Email Topic Alerts Top\" data-manage-email-link=\"\/footer\/account-information\/my-account\/email-subscriptions-and-alerts#emailAlerts\">\n  <hidden data-setting-item=\"d265901d-6d37-49c7-a8f6-c7bf19a02509\"\/><br \/>\n  <hidden data-crm-source=\"Subspecialty Topic Alert\"\/><\/p>\n<div class=\"email-alert-button d-none\" data-topic-button=\"not-subscribed\">\n<p>&#13;<br \/>\n      <span data-module-track-action=\"Email Alerts TOP_Click_Healio News Article\" data-module-track-label=\"Email Alerts TOP_Healio News Article\">&#13;<br \/>\n        <i class=\"fas fa-plus-circle\"\/>&#13;<br \/>\n        Add topic to email alerts&#13;<br \/>\n      <\/span>&#13;\n    <\/p>\n<div class=\"email-alert-inner collapse ud4fa9aeee24849c88cac70842455ed65\">\n<div class=\"email-alert-dialogue\">\n<p>&#13;<br \/>\n          Receive an email when new articles are posted on <span data-content=\"topic-title\"\/>&#13;\n        <\/p>\n<div class=\"d-none\" data-sign-up-type=\"unknown\">\n          Please provide your email address to receive an email when new articles are posted on <span data-content=\"topic-title\"\/>.<\/p><\/div>\n<\/p><\/div>\n<p>      <button type=\"button\" class=\"btn btn-primary\" data-loading-text=\"Loading &lt;i class=\" fa=\"\" fa-spinner=\"\" fa-spin=\"\">&#8220;&#13;<br \/>\n              data-action=&#8221;subscribe&#8221;&gt;&#13;<br \/>\n        Subscribe&#13;<br \/>\n      <\/button>\n    <\/div>\n<\/p><\/div>\n<div class=\"d-none\" data-topic-modal=\"failed\">    <strong>We were unable to process your request. Please try again later. If you continue to have this issue please contact <a href=\"https:\/\/www.healio.com\/news\/primary-care\/20260901\/mailto:customerservice@slackinc.com\">customerservice@slackinc.com<\/a>.<\/strong>  <\/p>\n<p><button data-dismiss=\"modal\" class=\"btn btn-primary btn-lg btn-block\">Back to Healio<\/button><\/p>\n<\/div>\n<\/div><\/div>\n<\/p><\/div>\n<p><br \/>\n<br \/><a href=\"https:\/\/www.healio.com\/news\/primary-care\/20260901\/direct-primary-care-gains-momentum-as-experts-weigh-benefits-and-tradeoffs\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>September 01, 2026 9 min read &#13; &#13; &#13; Add topic to email alerts&#13; &#13; &#13; Receive an email when new articles are posted on &#13; Please provide your email address to receive an email when new articles are posted on . &#8220;&#13; data-action=&#8221;subscribe&#8221;&gt;&#13; Subscribe&#13; We were unable to process your request. Please try again later. If you continue to have this issue please contact customerservice@slackinc.com. Back to Healio Key takeaways: Direct primary care offers more personalized care and potential savings on medications and lab tests. However, it does not replace health insurance, and the membership fees may be a barrier for some. Membership-based primary healthcare is becoming commonplace, offering longer visits, more individualized care and lower out-of-pocket costs for certain tests and medications, according to experts. The American Academy of Family Physicians defines direct primary care (DPC) as an alternative to the traditional fee-for-service insurance billing model, where patients are charged a fee monthly, annually or biannually. &#13; &#13;&#13;&#13;&#13;&#13;&#13; &#13; &#13; &#13;&#13; &#13; &#13; These costs can vary, with monthly fees ranging from $50 to $150 for adults, $20 to $49 for youth and $100 or more for families. This fee covers most or all primary care services, \u201cincluding clinical and laboratory services, consultative services, care coordination, and comprehensive care management,\u201d according to AAFP. Similarly, concierge care also operates under a membership-based structure. Concierge care and DPC \u201care viewed interchangeably, but they are distinct,\u201d Ann Greiner, MCP, president and CEO of the Primary Care Collaborative, told Healio. While concierge care offers monthly and annual \u2014 although typically higher \u2014 fees like DPC, this model also may accept insurance plans and government programs. In comparison, DPC \u201cis no insurance coverage and a subscription fee, which is either paid by an individual or sometimes employers,\u201d Greiner said. For physicians who are interested in the DPC model but still want to offer traditional fee-for-service care to their patients, Greiner said hybrid models are an option. But such hybrid models can be complicated, \u201cand many practices just make that full on switch to DPC,\u201d she added. DPC on the rise According to an analysis published last year in Health Affairs, the number of concierge and DPC practices in the United States grew by 83.1% from 2018 to 2023 and the number of clinicians participating in them rose by 78.4%. There are currently around 3,163 DPCs in the U.S., according to the tracking group DPC Frontier Mapper. \u201cThe rise of concierge and direct primary care reflects, in many ways, dissatisfaction with the traditional primary care system,\u201d Jane M. Zhu, MD, MPP, MSHP, the study\u2019s lead author and an associate professor of medicine at the Oregon Health &amp; Science University School of Medicine, told Healio. As a primary care physician, Zhu said she sees \u201cthe pressures facing clinicians and patients in today\u2019s primary care landscape.\u201d \u201cMany physicians are struggling with administrative burden, time constraints and burnout, while patients face growing difficulty accessing timely care,\u201d she said. \u201cDPC and concierge models have emerged as one way clinicians can try to regain clinical autonomy and spend more time with patients. So, against this backdrop, it\u2019s important to understand how these models are evolving nationally.\u201d While the Health Affairs analysis \u201cwasn\u2019t a census and likely underestimates concierge and DPC practices nationally,\u201d Zhu said they \u201cobserved an impressive speed of growth over a 5-year period. This growth mirrors what we\u2019ve been seeing on the ground, with significant interest from clinicians and patients alike on these models.\u201d Greiner said there are a few possible explanations contributing to this rise, one of which is a new provision under H.R. 1, or the \u201cOne Big Beautiful Bill\u201d Act, that now allows eligible individuals enrolled in DPC arrangements to contribute to a health savings account (HSA). These individuals can then \u201cuse their HSA funds tax-free to pay periodic DPC fees,\u201d according to the IRS website. According to AMA, patients with an HSA can use the funds to pay for DPC if fees are under $150 monthly for an individual and under $300 monthly for a family, though \u201cthe funds must be used for primary care services provided by a primary care physician or other allowed health professional.\u201d Greiner also noted that more employers are beginning to offer DPC, \u201cand they\u2019re using platforms that allow them to make these offerings available across the country.\u201d According to a 2025 report from Health Compiler, 58% of all DPC memberships in 2024 were employer-sponsored, an increase of 28% from 2022. One trend that Zhu said is \u201cworth watching over time\u201d is an increase in corporate ownership of concierge and DPC models, which rose in the Health Affairs analysis by 576% from 2018 to 2023, while independent ownership decreased from 84% to 59.7%. \u201cConcierge and DPC models are often framed as a response to corporatization and declining clinical autonomy,\u201d she explained. \u201cSeeing increasing corporate involvement suggests these models are evolving in ways that may diverge from their original vision.\u201d Benefits of DPC DPC practices \u201coffer clear benefits to clinicians, like smaller patient panels, reduced administrative burden and greater autonomy,\u201d all of which \u201cmay improve access and satisfaction for enrolled patients,\u201d Zhu said. \u201cThese models also respond to a real demand for accessible care, and many patients are willing to pay for more access and personalized care,\u201d she said. For Josh Umbehr, MD, a family physician and cofounder of Atlas.md, a software and DPC clinic, this model represents a way of making healthcare \u201cless than free.\u201d \u201cWhat that means to me is that you have all the care you need and money left over,\u201d Umbehr told Healio. \u201cIf you\u2019re spending $2,500 a month on healthcare and not getting $2,500 a month in value out of that, then we are limiting your life\u2019s potential.\u201d Out-of-pocket maximums with health insurance can cost thousands of dollars, Umbehr said. \u201cI think that, combined with HSA allowability and price transparency, we are going to see a lot more people question the cash price of their care,\u201d he said. \u201cNow insurance is so expensive,<\/p>\n","protected":false},"author":1,"featured_media":3557,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-3556","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/drsoniafawad.com\/index.php?rest_route=\/wp\/v2\/posts\/3556","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/drsoniafawad.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/drsoniafawad.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/drsoniafawad.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/drsoniafawad.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=3556"}],"version-history":[{"count":0,"href":"https:\/\/drsoniafawad.com\/index.php?rest_route=\/wp\/v2\/posts\/3556\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/drsoniafawad.com\/index.php?rest_route=\/wp\/v2\/media\/3557"}],"wp:attachment":[{"href":"https:\/\/drsoniafawad.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=3556"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/drsoniafawad.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=3556"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/drsoniafawad.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=3556"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}