Direct primary care + a bronze plan · 2026

Why pay for a doctor on top of insurance?

Your plan is built for the hospital, not for your doctor. On silver or gold you trade one bill for another. On bronze this is the half you never had.

Florida · one adult, 40 · $60k · per month
DPC + Bronze$412/mo
Silver$475/mo
Gold$481/mo
Leaving silver frees up$158/mo
Covers the $95 membership.
What you’re choosing between

Same cover for the big things. Very different everyday care.

DPC + BronzeSilverGold
Each month$412$317 plan + $95 membership$475$481
Sick visit$0unlimited$50every time$30every time
Deductiblehospital, specialists$8,450$8,000$2,000
Max out-of-pocketin a year$10,150$8,400$8,200
Appointment waitSame or next day23 days23 days
Why unlimited matters

How often would you go if visits were free?

Two things decide that, and neither one is your health.

What it costs at the door
37%

of insured adults put off or skipped care last year because of the price.

18% said their health got worse after putting it off.

KFF Health Tracking Poll, Nov 2025
And how long you wait
23 days
same or next day

to see a family doctor as a new patient.

12% went without care because nothing was available.

AMN Healthcare 2025 · new patients, large metros

A membership takes out both. Nothing to pay when you walk in, and a doctor who can see you this week.

Five questions. No account, no email.
Where these numbers come from

Filed prices, not estimates we invented.

Plan prices2026 filings · Florida

Lowest-priced bronze, silver and gold in your state, adjusted for your age and discount.

Membership prices191 practices

The middle of what our Florida listings publish, $57 to $139 a month.

A membership is not insurance. A bronze plan on its own is cheaper than everything here, but it leaves your everyday care unpaid for, which is the trade this page is about. You can only switch plans during open enrollment.