Question 1

How accurate is the DPC employer savings calculator?

Accepted Answer

The calculator uses regional average employer healthcare costs from the KFF 2024 Employer Health Benefits Survey and typical DPC/wrap plan pricing. It provides directional estimates — actual savings depend on the employer's current plan design, employee demographics, and utilization patterns. We recommend using it as a conversation starter, then refining with the employer's actual numbers.

Question 2

What changed with the OBBBA on January 1, 2026?

Accepted Answer

The One Big Beautiful Bill Act (OBBBA §71308) made several major changes: DPC fees are now HSA-eligible up to $150/month individual and $300/month family. DPC membership no longer disqualifies HSA contributions. Bronze and Catastrophic plans are now HSA-compatible. Employers can now offer DPC + HDHP + HSA as a complete benefits package with a triple tax advantage. See IRS Notice 2026-5 for implementation guidance.

Question 3

Who qualifies as a DPC primary care practitioner under OBBBA?

Accepted Answer

The law covers physicians (family medicine, internal medicine, geriatric medicine, pediatrics), nurse practitioners, clinical nurse specialists, physician assistants, dentists, podiatrists, optometrists, and chiropractors (limited to spinal manipulation for subluxation). Naturopathic physicians are not explicitly listed — their eligibility is unclear pending further IRS guidance.

Question 4

What is a wrap plan and why is it needed for DPC?

Accepted Answer

A wrap plan (also called a catastrophic or reference-based plan) covers major medical events outside the scope of primary care — hospitalizations, surgeries, emergency room visits, and specialist referrals. Because DPC handles the majority of day-to-day healthcare needs, the wrap plan sees far fewer claims, which keeps premiums significantly lower than traditional comprehensive group insurance.

Question 5

What size employers does DPC work for?

Accepted Answer

The DPC + wrap plan model works best for employers with 5–500 employees, particularly those who are self-funded or level-funded. Small to mid-size businesses see the most dramatic savings because they're often overpaying for traditional group plans relative to their utilization.

Question 6

Who is the DPC employer savings calculator for?

Accepted Answer

DPCBridge.ai is built for DPC physicians and practice managers who want to pitch employers on the DPC model. It's also useful for benefits consultants, brokers exploring DPC partnerships, and employers researching alternatives to traditional group health insurance.

Question 7

What's in the free DPC employer pitch kit?

Accepted Answer

The pitch kit includes an employer-facing slide deck you can customize with your practice's branding, an ROI report template pre-populated with the calculator's numbers, an ICHRA/QSEHRA compliance checklist, outreach script templates, and a one-page explainer on the OBBBA HSA law change.

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The OBBBA Changed Everything for DPC: What Physicians Need to Know in 2026