11/03/2025
It’s open enrollment season - the time of year to review your health coverage and make sure your plan still fits your needs.
Many insurers are reporting another 6–7% increase in premiums for 2025, along with higher deductibles and out-of-pocket costs, which doesn't account for the expiration of healthcare subsidies which could drive premiums up an average of 114%. Before automatically renewing your plan, take a few minutes to compare your options:
✅ Review your current plan - Check your monthly premium, deductible, out-of-pocket maximum, and network coverage.
✅ Explore alternatives - these pair well with a DPC membership which offers affordable access to comprehensive primary care low cost labs and medications:
High-deductible health plans (HDHPs) with a Health Savings Account (HSA) – often lower monthly premiums and the ability to set aside pre-tax money for medical expenses. As of January 1, 2026, you will be able to use Health Savings Account (HSA) funds to pay for Direct Primary Care (DPC) membership fees.
Health share programs – community-based cost sharing (not insurance), often with lower monthly costs but less guaranteed coverage.
Indemnity plans – fixed payments for specific services, offering flexibility but limited protection for major expenses.
✅ Ask questions – Understand exactly what is and isn’t covered before making a decision.
If you’re part of a direct primary care practice, your membership already covers comprehensive, accessible primary care, so your insurance or health sharing plan serves primarily as financial protection for larger, unexpected medical costs.
Rising premiums are a reality, but being informed helps you choose what’s right for your health, budget, and peace of mind.
