Run your numbers
Does direct primary care save money?
Don't compare a membership fee to a copay. Compare what you'd spend in a year. Premiums are the dominant cost, and that's exactly where DPC changes the math. Estimate your numbers below; everything is free and nothing is collected.
The savings calculator
Your year, side by side.
Current path versus BlueFire + a high-deductible plan. Every line item is shown. No black box.
Where the money moves
Per year
Premium difference
+$3,000
Copays avoided
+$160
Urgent-care reduction
+$110
Lab savings
+$420
BlueFire membership added
−$660
Current path $7,410/yr vs BlueFire + HDHP $4,380/yr
Estimated annual savings
$3,030
Your membership pays for itself.
Estimates based on typical figures you can adjust above, not a quote or a guarantee. Want to talk through your numbers in person? Schedule a free meet-and-greet.
The money questions
Asked and answered.
Does direct primary care actually save money?
For many people, yes, but the honest answer is "run your numbers." Using typical figures (a $550/mo PPO premium versus a $300/mo high-deductible plan plus a $55/mo membership), an individual comes out roughly $3,030 ahead per year. Your premium, visit count, and medications move that number in both directions; that's what the calculator on this page is for. All figures are estimates, not guarantees.
How can DPC be cheaper if I add a membership fee?
Because the membership replaces bigger costs instead of stacking on top of them. The premium difference between a PPO and a high-deductible plan often covers the whole membership by itself. Then copays disappear, most urgent-care visits become same-day calls to your own doctor, and labs and medications drop to wholesale prices.
What insurance should I pair with DPC?
Most members keep a high-deductible or catastrophic plan for hospitalizations, surgeries, and emergencies, and let BlueFire handle everyday care. We're happy to walk through the combination that fits your situation. Bring your current premium to a free meet-and-greet.
Ready for healthcare that actually has time for you?
Join BlueFire Med and get a doctor who knows you by name, for one simple monthly fee.