Insurance Alternatives that Pair with DPC

Health Sharing Ministry

Health sharing ministries (HSM) are religious-based cooperatives where members share healthcare costs amongst one another. Members commit to not smoking, not drinking to excess, and to going to church. For members willing to commit to the plan's rules, HSM membership can be a much more affordable and hassle-free way of covering catastrophic expenses. What's more, under the Affordable Care Act (ACA), members are exempt from the individual mandate to buy health insurance.

Short Term Medical

Short Term Medical (STM) plans offers non-ACA compliant high-deductible plans that will cover major illnesses. These plans are less expensive because they do not cover the minimum "Essential Health Benefits" required under ACA compliant plans. Pairing an STM plan with DPC can provide coverage for emergencies and catastrophic illnesses while also allowing the convenience of a DPC practice. Both combined equal a lower price than traditional insurance on the Healthcare.gov exchange.

Employer Self-Insurance

For small businesses with one or more non-owner employees, self-insurance options are available. The price of self-insured plans may be less expensive than a traditional "fully underwritten" plan with a major carrier (such as Humana or Blue Cross). Self-insuring provides an employer with the ability to customize their plan to the price-point of the employer. For more information or for a quote for a self-insured plan, please contact us to send you to a qualified insurance agent who can help.