“How much does Direct Primary Care cost?” is one of the first questions families ask, and it should be. A membership is only useful if you understand both the monthly price and what that price actually changes about your healthcare experience.
According to MoneyGeek’s 2026 health-insurance rate analysis, a family of four pays about $2,230 per month, or $26,760 per year, for health insurance on average.1 Actual premiums vary by location, age, plan type, and coverage selection, and premiums are only one part of a household’s total healthcare spending.
Insurance still matters for major illnesses, injuries, hospital care, and other unexpected costs. But it often does not make everyday care inexpensive. KFF’s 2025 Employer Health Benefits Survey found that 88% of covered workers with single coverage were enrolled in a plan with a general annual deductible, averaging $1,886 among workers with a deductible.2
Direct Primary Care (DPC) replaces routine insurance billing for primary care with a recurring membership fee. Instead of paying a copay, coinsurance, or self-pay charge every time you need an appointment, you pay a predictable amount for the primary-care relationship and services included in your agreement. For many patients, that relationship can address 80–90% of their everyday healthcare needs, including preventive care, acute concerns, chronic condition management, and many common in-office services, while insurance can still be used for needs outside the practice such as specialist care, imaging, hospitalization, or other services.
At Resolute Integrative Health, the right comparison is not simply “membership fee versus copay.” It is the cost of straightforward access to your provider, longer appointments, urgent support, and a care model that does not bill insurance for routine clinic visits.
It is also important to understand which expenses remain separate, because DPC is not insurance and does not cover every healthcare cost.
What a Resolute Membership Costs
Our simple monthly retainer membership model means routine primary care does not come with a new bill every time you need care. Individual memberships are currently $110 per month, $130 per month for seniors, or $50 per child. A family membership for a couple and three or more children is $325 per month.
If you need more advanced support, Resolute+ may be the right fit for your health needs.
There is also a one-time enrollment fee of $150 per adult and $50 per child.
It is important to think of this membership separately from health insurance. DPC does not replace your health insurance or eliminate your insurance premium.
Instead, your Resolute membership covers the primary-care services included in your plan without billing insurance for those services. Most Resolute patients still have health insurance, which can continue to be used for covered care outside the membership, including additional lab work, imaging, prescriptions, specialist care, and hospital services.
What Does That Look Like Over a Year?
For many people, comparing Direct Primary Care with traditional primary care is not as simple as multiplying a copay by the number of appointments you expect to have each year.
You may only schedule one or two routine primary-care visits in a typical year. But healthcare needs are not always predictable. An illness may lead to an urgent care visit. A new concern may require additional appointments, lab work, medications, or an in-office procedure. Managing an ongoing condition can also increase how often you need care.
That is where the cost structure of Direct Primary Care becomes different. Rather than evaluating whether you will have enough office visits to “break even” on a membership, consider what is included, what additional services may cost, and how easily you can access care when you need it.
Comparing the Cost Structure of Primary Care
| Healthcare Need | Traditional Insurance-Based Care | Resolute Membership |
| Routine primary-care visits | Copay, coinsurance, or deductible may apply | Included in membership |
| Additional visits when you are sick | Additional patient cost may apply to each visit | Included in membership |
| Direct access to your primary-care provider | Varies by practice and health plan | Included as part of the membership relationship |
| Urgent health concerns | May result in urgent care or other facility charges | Many concerns can first be addressed through your primary-care relationship when clinically appropriate |
| Routine lab work | Patient cost depends on insurance and laboratory | Five annual labs included; additional labs available at near-wholesale member pricing or may be ordered through insurance when appropriate* |
| Medications | Cost depends on insurance coverage, formulary, and pharmacy | Many medications may be available at discounted cash-pay pricing* |
| In-office procedures | Copay, deductible, coinsurance, or separate procedure charge may apply | Many common procedures are included or available at transparent pricing* |
| Monthly cost | Insurance premium plus applicable out-of-pocket costs | Predictable monthly membership fee |
*Specific laboratory tests, medications, procedures, and other services may have additional costs. Refer to the membership agreement and current pricing for details.
Looking Beyond the Copay
The value of a Direct Primary Care membership goes well beyond eliminating a copay for a routine office visit. At Resolute Integrative Health, your membership includes access to a broad range of primary, preventive, and minor urgent-care services that may otherwise result in separate visit, testing, or procedure charges.
Depending on your healthcare needs, included services may include:
- EKG/ECG
- Incision and drainage (I&D) of abscesses
- Cryotherapy (skin freezing)
- Strep and flu testing
- Wet mount testing
- Urinalysis
- Earwax removal
- Blood glucose fingerstick testing
- Simple laceration repair
- Pap collection
- Skin biopsy procedures
- Nexplanon removal
- IUD removal
- Evolt body composition scanning
Basic memberships also include annual CBC, CMP, lipid panel, A1C, and TSH testing, giving members access to common preventive and health-monitoring labs without a separate charge for those included tests.
More Than Routine Checkups
Resolute’s membership model is designed to address a wide range of everyday healthcare needs. Care may include:
- Primary and preventive care
- Minor urgent care
- Women’s and men’s health
- Pediatric care
- Sports physicals
- Chronic care*
- Mental health support*
- Addiction support*
- Medical weight loss
- Stable hormone care
- And more
Members also benefit from longer appointments, typically 30–60 minutes, same-day or next-day availability for many urgent concerns, and direct communication with their provider between visits.
For many members, the question is therefore not simply, “How much am I saving on copays?” The more useful comparison is what they receive for their membership and what those same visits, labs, tests, procedures, and access to care could cost under a traditional healthcare model.
*Services and scope of care may vary based on individual needs and clinical appropriateness.
What Does a Membership Include?
The central value of DPC is not a discount on a single office visit. It is ongoing access to primary care without routine insurance billing for included clinic care.
Resolute’s standard Direct Primary Care membership is designed for routine care, urgent concerns, chronic-condition management, and preventive health. The intrinsic membership benefits include:
- Access to your provider and direct communication: A direct relationship with your primary-care team, without the usual insurance-driven barriers.
- Longer appointments: Appointments typically run 30 to 60 minutes, allowing more time to discuss your history, concerns, and next steps.
- Faster scheduling for urgent needs: Most patients can be seen the same day or next day for urgent concerns, depending on availability and clinical appropriateness.
- Routine, preventive, and chronic-care support: Membership is intended to support ongoing primary care, not only one-off sick visits.
- Telehealth when appropriate: Follow-ups, certain conditions, and ongoing care may be handled remotely when it makes clinical sense.
- Basic lab coordination: Members have access to discounted lab pricing that is not available to the general public, helping reduce out-of-pocket costs for laboratory testing beyond the labs already included with the membership.
For included membership care, Resolute does not bill insurance for visits. This removes the usual per-visit claim process and helps make routine primary care easier to use.
What is Different About Resolute+?
Resolute+ builds on the Basic Direct Primary Care membership, providing everything included in Basic with an additional level of care for more complex health needs, deeper investigation, and more proactive, data-driven health management.
It is the appropriate tier for higher medical complexity and certain specialty services, such as:
- New hormone optimization
- Functional medicine
- Medical weight loss
- In-depth integrative care
- More frequent appointments for complex needs
- Advanced lab testing and more personalized health-optimization strategies
A higher tier may be advisable when someone needs more than one appointment routinely more often than every two to three months for complex concerns. Ask your Resolute medical provider how the add-on, lab options, and specialty-care needs would apply to your unique situation.
Costs That May Sit Outside The Membership
Transparent pricing means being clear about what the membership does not automatically include. A DPC membership simplifies primary care; it does not make every healthcare service free or eliminate the need for financial protection against major medical events.
Additional costs may apply for:
- Advanced laboratory testing
- Specialized treatments
- Prescription medications
- Imaging
- Specialist care or referrals outside the clinic
- Hospital care, emergency care, and surgery
Lab work deserves a specific mention. Basic memberships include five annual labs at no additional cost: CBC, CMP, lipid panel, A1C, and TSH. When additional testing is clinically appropriate, members can access labs at near-wholesale pricing, helping keep the cost of more extensive testing transparent and affordable.
The right question is not “Are labs included?” but “Which labs are included in my option, what will future testing cost, and what alternatives do I have?”
Most Resolute members still have health insurance, and the practice can place orders through insurance when appropriate for services outside the membership, such as additional lab work, imaging, prescriptions, and specialist referrals. Your DPC membership works alongside your insurance, allowing Resolute to manage your primary care while insurance remains available for covered services and larger medical needs. To learn more, read our article on how DPC works alongside your insurance.
Why The Comparison is About More Than Copays
Traditional healthcare costs can be hard to see in one place. You may pay a monthly premium, then a deductible before coverage starts paying, then copays or coinsurance for particular services. A bill can also arrive weeks after a visit, long after you thought you knew the cost.
Remember, DPC does not make insurance premiums disappear. But it removes routine primary-care visits from the insurance-billing path for included care. That can replace the question, “What will this appointment cost after my deductible?” with a clearer membership conversation.
There is also a cost that rarely appears in an explanation of benefits: Time.
Waiting weeks for an appointment, spending hours in a waiting room, making repeated calls, or delaying a question because of a possible bill can all add friction to getting care. DPC is designed to reduce that friction through direct provider access, longer visits, and faster scheduling for appropriate urgent needs.
The benefit is predictability, not a guarantee that every household will spend less overall. Your total cost depends on your membership quote, household size, insurance premium, deductible, care needs, medications, labs, and the plan you choose for larger medical expenses.
Get the Current Numbers for Yourself or Your Family
The best way to decide whether DPC is worth it is to compare a complete picture, not just a monthly fee. After signing up for a membership and having your initial consultation, ask Resolute about the services included in your tier, potential lab or specialty-care costs, and how Resolute+ would affect your plan and pricing.
Sources:
- MoneyGeek. “How Much Does Health Insurance Cost? (2026 Rates).” Updated May 27, 2026. Accessed Aug. 11, 2026. https://www.moneygeek.com/insurance/health/average-cost-of-health-insurance/
- KFF. “2025 Employer Health Benefits Survey.” Accessed Aug. 11, 2026. https://www.kff.org/health-costs/2025-employer-health-benefits-survey/
