Question 1

Is Direct Primary Care legal in West Virginia?

Accepted Answer

Yes. West Virginia has had a DPC law on the books since 2017. HB 2301, the Direct Primary Care Practice Act, is codified at W. Va. Code §§ 30-3F-1 to 30-3F-5 and clearly puts DPC agreements outside insurance regulation. Read the statute.

Question 2

How much does Direct Primary Care cost in West Virginia?

Accepted Answer

Adult DPC memberships in West Virginia typically run $49–$159 a month. Family plans usually cost less per person, and kids' memberships run cheaper than an adult's. Exact pricing depends on the practice, so browse West Virginia practices to compare real numbers.

Question 3

Is a DPC agreement considered insurance under West Virginia law?

Accepted Answer

No. State law says a DPC agreement is not insurance. Under § 30-3F-2, direct primary care agreements aren't subject to the West Virginia Insurance Code, and practices don't need an insurance license to operate in the state.

Question 4

Can a West Virginia DPC doctor also bill my insurance for the same services?

Accepted Answer

No. Your membership fee is the complete payment for covered services. West Virginia law prohibits a DPC practice from billing a third-party insurer for anything covered under your agreement, so you'll never see a surprise claim for your routine care.

Question 5

What must a West Virginia DPC agreement include?

Accepted Answer

A written agreement with the services, the fee, a not-insurance disclosure, and termination terms. The law requires the agreement to be in writing, spell out the covered primary care services and the periodic fee, disclose that it isn't insurance, let either side terminate with reasonable notice, and state how long it lasts and how it renews.

Question 6

Can I use my HSA to pay for DPC in West Virginia?

Accepted Answer

Yes. Starting in 2026, federal law lets you pay DPC fees with HSA funds. You can put HSA money toward a DPC membership of up to $150 a month for an individual or $300 a month for a family, and staying at or under that fee no longer disqualifies you from HSA eligibility. That applies nationwide, West Virginia included.

Question 7

Do I still need health insurance if I join a West Virginia DPC practice?

Accepted Answer

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

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West Virginia DPC laws & FAQ

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West Virginia DPC laws & FAQ

Direct Primary Care
Doctors in West Virginia