Direct Primary Care + Health Sharing: The Future of Affordable Healthcare

A Smarter Way to Take Control of Your Healthcare

Traditional insurance isn’t working for everyone. Premiums rise every year, networks shrink, and it often feels like you’re paying more but getting less. For healthy individuals, families, and small business owners, that frustration has sparked a growing movement: building your own healthcare solution through Direct Primary Care (DPC) and health sharing.

Together, these two models form a simple, transparent, and affordable alternative to traditional health insurance — giving you the freedom to choose your doctors, understand your costs, and keep more of your money in your pocket.

Note: DPC and health shares are not insurance.DPC provides direct access to your physician through a monthly membership. Health shares are community-based programs that help members cover large or unexpected medical expenses.

Here’s why this combination is quickly becoming one of the most popular healthcare strategies in America.

1. Personalized Primary Care, Without Insurance Interference

DPC memberships give you unlimited access to your doctor — for one flat monthly fee. No co-pays. No deductibles. No waiting for approval. Your doctor works for you, not an insurance company.

2. Protection for Big, Unexpected Expenses

Health sharing programs help members handle major costs like hospitalizations, surgeries, or accidents. Instead of relying on a large insurer, members share expenses directly within the community — often at a fraction of traditional insurance premiums.

3. Transparent, Predictable Costs

When you combine DPC with a health share, your monthly expenses are clear and predictable. You know exactly what your membership covers and how larger costs are handled — no surprise bills or confusing EOBs.

4. Freedom to Choose Your Providers

Forget restrictive “networks.” With DPC and most health share programs, you can see the doctors and specialists you trust — anywhere in the country.

5. Cash-Pay Savings That Beat Insurance Rates

DPC practices like Pinnacle often negotiate direct cash prices for labs, imaging, and procedures — saving members 40–90% compared to hospital or insurance-based rates. In many cases, paying cash is simply cheaper than using insurance.

6. Better Care Through Real Relationships

Because DPC physicians limit their patient panels, you get longer appointments, better communication, and more time to address root causes — not rushed, 10-minute visits. You’ll have a true healthcare partner, not a provider buried in paperwork.

7. Ideal for Healthy Individuals and Families

If you’re relatively healthy, rarely visit the doctor, and want to take control of your healthcare spending, this model can significantly reduce your annual costs while improving your access to care.

8. Flexibility for Employers and Entrepreneurs

Small business owners can offer DPC memberships and health-share-based options to employees without the complexity or cost of group insurance. It’s a scalable, affordable benefit that supports both the company and the team.

9. Community Over Corporations

Health sharing organizations operate on a community-based model — where members support one another’s needs instead of paying premiums to for-profit insurers. The result is a sense of belonging, shared purpose, and financial transparency.

10. Empowerment Through Choice

Combining DPC and a health share gives you control. You choose your doctor, your specialists, and how your dollars are spent. It’s healthcare designed around your priorities — not an insurance company’s bottom line.

May We Make a Recommendation?

For those exploring this approach, Pinnacle Advanced Primary Care recommends Zion HealthShare as a trusted, non–religion-affiliated health sharing organization.

Zion partners well with the DPC model and provides a transparent, inclusive, and community-based way to manage large medical expenses. Members share each other’s costs through a simple and accountable process — with no faith-based requirements or lifestyle restrictions.

We encourage every individual and family to research both traditional insurance and alternative models. For many, combining Direct Primary Care + Health Sharing is the most affordable and empowering way to take back control of healthcare.