See What Healthcare Actually Costs You
Most people only think about their monthly premium. We'll show you the full picture — premiums, deductibles, copays, and prescriptions — and compare it to a smarter alternative.
💊 Medication Cost Estimator
No medications added yet. Add any regular prescriptions to estimate savings.
| Plan / Option | Monthly Cost | Annual Premiums | Deductible / IUA | Copay / Visit | Annual Visit Fees | True Annual Total | vs. Your Plan |
|---|
$0 Copay — Always
Unlimited visits included in your monthly DPC membership. No per-visit fees, ever.
$249/Month Family Cap
No matter how many members — your Zion Asher DPC membership never exceeds $249/month.
Wholesale Rx Pricing
Many common medications under $4/month — often beating insurance copay tiers.
About the health sharing plans shown: All health sharing options display mid-range pricing tiers with an Initial Unshareable Amount (IUA) in the $5,000–$6,000 range. Sedera pricing reflects exact published rates (ACCESS+ DPC/VPC tier, effective 03/01/26) at the $5,000 IUA level. All health sharing plans are available at multiple IUA levels — the higher your IUA, the lower your monthly contribution. Pricing shown is for the primary member's age group. Actual pricing varies by age, household composition, health status, and plan selected. Health sharing ministries are not insurance and cannot guarantee payment of claims.
About the Average ACA Silver Plan: Premium shown is the estimated unsubsidized benchmark Silver plan average for Missouri, scaled by household size and age using CMS/KFF 2025–2026 published data. If you qualify for income-based subsidies your actual premium may be significantly lower — visit HealthCare.gov for a personalized quote. Deductible reflects the 2026 average benchmark Silver plan deductible per KFF data ($5,304).
Note: This calculator is for educational purposes only and does not constitute a binding quote. Consult a licensed insurance advisor or health share representative for final plan details and eligibility.
⚠️ 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.