Employer Savings Calculator
DPC + HDHP vs. Traditional Insurance
An apples-to-apples comparison for your team
Both options cover major medical — the difference is in primary care. Traditional insurance charges per visit. DPC includes everything for a flat monthly fee, so your employees call their doctor instead of going to the ER.
Your team
National average is ~0.4 per person. Under traditional insurance, a single ER visit typically costs $1,200–$2,800 out of pocket. With DPC, most of these are avoided with a same-day call.
With DPC, same-day appointments replace most urgent care visits. Under traditional insurance, typical urgent care copays run $50–$100.
Cost assumptions — edit to match your plans
Traditional Insurance
$/mo
$/visit
$/visit
DPC + HDHP
$/mo
$/mo
With DPC — $0 for every primary care visit. Office visits, telehealth, portal messages, and same-day appointments are all included in the flat monthly membership. The HDHP handles major medical — surgery, hospitalization, specialist care — the same way traditional insurance does, but at a lower premium because primary care is handled by DPC.
Annual cost — per employee
Traditional Insurance
Employer premium—
ER visits—
Urgent care—
Total / employee / yr
—
DPC + HDHP
DPC membership—
HDHP premium—
ER visits$0
Urgent care$0
Total / employee / yr
—
ER and urgent care costs shown are employee out-of-pocket under traditional insurance. With DPC, same-day access means most of these visits don't happen — employees reach their doctor directly instead of driving to an ER or urgent care.
Full team breakdown
Traditional insurance — total annual cost
—
DPC memberships — total annual cost
—
HDHP premiums — total annual cost
—
ER visits avoided — — total visits
—
Urgent care avoided — — total visits
—
Net annual savings
—
Per employee / month
—
This calculator estimates employer cost savings based on the inputs you provide. All figures are editable estimates — adjust them to match your actual plan costs. HDHP premium defaults to $320/mo as a representative estimate; actual HDHPs vary widely. ER and urgent care savings assume those visits are avoided when employees have same-day DPC access; actual results vary by workforce. DPC does not cover surgery, hospitalization, or specialist care — that's what the HDHP is for. This does not constitute legal, tax, or benefits advice.
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