How much does a concierge medicine membership cost?
Concierge medicine memberships are private out-of-pocket monthly or annual fees paid directly to a physician practice for enhanced access and are separate from health insurance; you still need an ACA-compliant private health plan for hospital and specialist coverage (HealthCare.gov Glossary — Supplemental Coverage).
Reviewed by Jason Burns, Editor & Steward · Last verified 2026-07-19
What it means
- Concierge fees do not replace insurance and do not count toward a health plan's deductible.
- Membership does not qualify as minimum essential coverage.
Action steps
- Confirm which office visits and services the membership includes.
- Keep a separate ACA-compliant private plan in force alongside the membership.
Risks & deadlines
- Concierge fees are generally not reimbursable from an HSA when the fee is a retainer rather than for specific qualified medical care.
Sources
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