Healthcare Cost Comparison Calculator
This calculator is designed to help individuals estimate how their current health insurance costs might compare with a Direct Primary Care (DPC) membership combined with a health sharing program, such as MediShar, Sedera, CHM, Zion, ect.
The estimates used in this tool are based on publicly available pricing information from several health sharing organizations. If a company does not publish pricing openly on its website, it was not included in the comparison. The numbers generated by this calculator are illustrative estimates only and should not be considered a quote or guarantee of savings.
Zion Asher Family Physicians is not an insurance company, health sharing organization, or licensed insurance broker. We do not sell or endorse any specific health sharing program. The purpose of this calculator is simply to help individuals better understand potential healthcare costs and explore whether alternative models may be worth investigating further.
Health sharing programs operate differently than traditional insurance. Many have restrictions related to pre-existing conditions, certain medications, or specific types of care. Because of this, they may not be the best fit for everyone. Individuals who rely on high-cost medications or ongoing specialty care may benefit from maintaining traditional insurance coverage.
If you’re curious whether a Direct Primary Care + health sharing approach might work for your situation, we’re happy to help. Our team offers free informational consultations to answer general questions about Direct Primary Care and how these models work together. For detailed questions about coverage, pricing, or eligibility, you should contact each health sharing organization directly.
Use the calculator below to explore the numbers and see what your savings might look like.
What Is Healthcare Really Costing You?
Enter your household details and we'll show you your true annual cost — and what you could save with a smarter approach.
💊 Medication Savings Estimator
No medications added yet.
(premiums + deductible + copays)
💊 Ask About Prescription Savings
Many patients save an additional $50–$400+ per year on medications through our in-office dispensing at wholesale cost. Call us for a free medication cost review — no obligation.
Ready to make the switch?
Call Zion Asher Family Physicians to review your specific situation, confirm prescription pricing, and find the health sharing plan that fits your family best.
$0 Copay
Unlimited visits included in your monthly membership.
$249 Family Cap
One flat rate covers your whole household, no matter the size.
Wholesale Rx
Many generics under $4/month at our in-office pharmacy.
Same-Day Access
Direct access to your physician — no waiting room, no runaround.
Health sharing plans shown: All DPC + health sharing combinations use mid-range pricing tiers with an IUA (your out-of-pocket per incident) in the $5,000–$6,000 range. The higher your IUA, the lower your monthly contribution — many lower-cost options are available. Sedera pricing reflects exact published ACCESS+ DPC/VPC rates effective 03/01/26. Health sharing ministries are not insurance and cannot guarantee payment.
ACA Silver estimate: Based on Missouri unsubsidized benchmark Silver plan averages (CMS/KFF 2025–26 data). Income-based subsidies may significantly lower your actual ACA premium — visit HealthCare.gov for a personalized quote.
This calculator is for educational purposes only and is not a binding quote. Consult a licensed advisor for final plan details.
⚠️ Important: Cost Estimates Only
This calculator provides general cost comparisons based on publicly available data and/or user-entered information. All figures are estimates for educational purposes only.
Zion Asher Family Physicians is not an insurance company, health sharing organization, or licensed insurance broker. We do not sell, underwrite, or recommend specific insurance or health sharing plans.
Health sharing and insurance costs vary based on age, location, family size, medical history, and plan design. For personalized and legally binding quotes, please contact a licensed insurance broker or the health sharing organization directly.
The sample values used in this calculator are mid-range figures gathered from publicly available information and may not reflect your specific situation.