Business
Direct primary care for the self-employed and small businesses
If you buy your own coverage or run a small team, DPC can make everyday care simpler and more predictable.
Key takeaways
- With a high-deductible plan, DPC covers the everyday care you would otherwise pay for before meeting your deductible.
- Employers usually pay one flat monthly fee per employee, alongside a group plan, with a high-deductible plan, or on its own.
- Same-day visits and texting your doctor mean less time away from work.
Colorado Springs runs on small businesses: contractors, shop owners, real estate agents, therapists and veterans who started something of their own. If that's you, you probably buy your own health plan, and you probably pay a lot for it while still facing a high deductible.
For the self-employed
Many self-employed people choose a lower-premium, high-deductible plan to protect against the big, rare things. The catch is that everyday care, like a sick visit, a physical or routine labs, often comes out of pocket until the deductible is met.
A DPC membership fills that gap. Your primary care is covered by one flat monthly fee, your labs and many generic medications are at close to cost, and your insurance stays in place for hospitals, specialists and emergencies. Starting in 2026, people with a health savings account can also pay a DPC membership from their HSA within federal limits. I explain those limits in How much does DPC cost?
Time matters too. When you're self-employed, a morning in a waiting room is a morning without income. Same-day visits and texting your doctor give that time back.
For small businesses
A DPC membership can be a benefit your team actually notices: a doctor they can reach the same day, with no copay. Employers usually pay a flat monthly fee per employee. It can sit alongside a group health plan, pair with a high-deductible plan, or stand on its own as a benefit.
- Predictable cost: one fee per employee each month, with no primary care claims.
- Less time away: same-day visits and messages instead of urgent care and waiting rooms.
- A healthier team: every employee gets a personal plan for diet, exercise and sleep.
The best structure depends on your business, so talk with your benefits advisor or accountant about how to offer it. Small business rates will be set before Peak Health opens. See Peak Health for employers.
Questions from business owners
Can I use my HSA or FSA?
Starting in 2026, federal law lets you pay a direct primary care membership from a health savings account if the fee is no more than $150 a month for an individual or $300 for a family (2026 limits, adjusted yearly). Check with your HSA administrator or tax advisor about your own account.
How do employers pay for DPC?
Usually as a flat monthly fee per employee. Small business rates will be set before Peak Health opens.
Can DPC work with our existing group health plan?
Yes. A DPC membership can sit alongside a group plan, pair with a high-deductible plan, or stand on its own. Talk with your benefits advisor about the best structure.
I'm self-employed. Is DPC worth it with a high-deductible plan?
Often, because everyday care and labs that would count toward your deductible are covered by the membership or available at close to cost.
Join the waitlist
Peak Health is not open yet. It opens for direct primary care in Colorado Springs after Dr. Bennett's Army service ends. People on the waitlist hear first and are offered membership first.
No payment and no commitment.