Question 1

Is Direct Primary Care legal in Maryland?

Accepted Answer

Yes. DPC is legal and operating in Maryland. The state hasn't passed a dedicated DPC statute, so agreements run on general contract law instead of a specific DPC framework. Practices function legally across the state regardless.

Question 2

How much does Direct Primary Care cost in Maryland?

Accepted Answer

Adult DPC memberships in Maryland typically run $49–$139 a month. Family plans usually cost less per person, and kids' memberships run cheaper than adult ones. Prices vary by practice and city, so browse Maryland practices to compare real pricing.

Question 3

Is a DPC membership considered insurance in Maryland?

Accepted Answer

No. A DPC membership is a service contract with your doctor, not insurance. Maryland has no dedicated DPC law, so there's also no statute formally exempting it from the insurance code. In practice, DPC practices structure their agreements as service contracts rather than insurance, and regulators have generally not treated them as insurers.

Question 4

Why doesn't Maryland have a DPC law?

Accepted Answer

Maryland just hasn't passed one yet. DPC there runs on general contract law. Maryland is one of the states that hasn't enacted legislation specifically defining Direct Primary Care as separate from insurance. DPC keeps growing there regardless, and a bill to formalize it could still come up in a future session.

Question 5

What should I look for in a Maryland DPC agreement?

Accepted Answer

Look for the fee, the covered services, the cancellation terms, and a clear statement that it isn't insurance. With no state disclosure mandate, it's on you to read the agreement carefully. Get it in writing that the membership isn't insurance, what services are included, the monthly fee, and the cancellation terms before you sign.

Question 6

Can I use my HSA to pay for DPC in Maryland?

Accepted Answer

Yes. Starting in 2026, federal law lets you pay DPC fees with HSA funds. Starting in 2026, a new federal law lets you pay DPC membership fees of up to $150 a month (individuals) or $300 a month (families) straight from a health savings account, and staying at or under that fee no longer disqualifies you from HSA eligibility. That applies nationwide, Maryland included.

Question 7

Do I still need health insurance if I join a DPC practice in Maryland?

Accepted Answer

Yes. A DPC membership isn't a substitute for health insurance. It covers most day-to-day primary care, not hospitalizations, ER visits, specialist care, or surgeries. Most members pair their DPC membership with a high-deductible health plan for that coverage. Learn how DPC fits into your coverage.

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Maryland DPC laws & FAQ

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