Best Direct Primary Care Marketplaces 2026

Introduction

The healthcare landscape continues its rapid evolution, with rising costs and complex insurance systems driving many Americans to seek more transparent and accessible primary care options. Direct Primary Care (DPC) has emerged as a compelling alternative, offering patients direct access to their doctors, often for a predictable monthly fee, bypassing traditional insurance hurdles for routine care.

DPC models emphasize strong patient-physician relationships, extended appointment times, and often include unlimited communication via text or video. The appeal of transparent pricing and personalized attention has fueled its growth, a trend further accelerated in 2026 by the passage of the One Big Beautiful Bill Act (OBBBA), which now officially permits the use of Health Savings Account (HSA) funds for DPC memberships.

As of September 2026, navigating the DPC ecosystem has become easier with the proliferation of online marketplaces. These platforms connect patients with DPC providers or offer membership-based primary care alternatives. Today, we delve into three prominent players in this space: Sesame, Mira, and Solv Health. We will provide an in-depth, 2026-specific comparison to help you determine which platform best suits your healthcare needs and budget.

Quick Comparison Table

Feature	Sesame	Mira	Solv Health
Primary Model	Marketplace for pay-per-service (including DPC practices)	Membership for network access & benefits	Marketplace for appointments & DPC discovery
Membership Cost (Monthly Avg.)	Varies by provider; platform itself is free for booking. DPC practices listed may be $60-$120.	$89 – $119 (MiraPlus)	Free for booking; ‘Solv Premier’ for $19/month (discounts)
In-person Availability	Yes, depending on listed provider’s offerings	Yes, via network partners (urgent care, primary care)	Yes, for booking with local providers
Telehealth Services	Extensive, direct booking with providers	Included in membership for primary care	Booking for virtual visits with providers
Urgent Care Access	Booking for urgent care visits	Included in membership (network urgent care visits)	Extensive network for urgent care booking
Mental Health Services	Booking for mental health providers	Limited; focus on primary care	Booking for mental health providers
Prescription Management	Direct with provider; often discounted	Discounted prescriptions & refills	Direct with provider
Insurance Integration	Some providers accept insurance for specific services; DPC memberships typically cash-pay but HSA-eligible.	Acts as an alternative to insurance for routine care; complements high-deductible plans.	Providers may accept insurance for non-DPC services; DPC memberships cash-pay, HSA-eligible.
Key Differentiator	Upfront pricing, broad range of specialists, flexibility	Comprehensive routine care bundle, network access	Wide urgent care network, convenient booking, DPC discovery

Detailed Breakdown

Sesame: The Transparent Marketplace for Diverse Care

Sesame has solidified its position as a leading digital health marketplace by September 2026, known for its upfront, transparent pricing across a wide array of healthcare services. Unlike traditional DPC models that charge a flat monthly fee directly, Sesame acts as a booking platform where individual DPC practices and other healthcare providers list their services with clear cash prices. This model offers unparalleled flexibility for consumers who may not need a full-time DPC membership but still desire affordable, direct access to care.

On Sesame, you can find everything from telehealth primary care visits starting around $55 to $85, to in-person consultations ranging from $95 to $175, depending on the provider and location. Specialist visits, mental health sessions, and even some imaging or lab services are also available with clear price tags. For those specifically seeking a DPC model, Sesame features a growing number of independent DPC practices that offer their monthly membership packages (typically $60-$120 per month) directly through the platform, allowing patients to compare and choose.

The platform excels in offering choice and price clarity. Users can browse by specialty, condition, or price point, making it easy to find a licensed practitioner quickly. While Sesame itself doesn’t offer a direct DPC membership, its strength lies in connecting patients with individual DPC providers who do. This makes it an excellent resource for those who want to compare different DPC practices’ offerings and prices before committing, ensuring they find the perfect fit for their specific healthcare journey.

Mira: The Membership for Everyday Health Needs

Mira has evolved by September 2026 into a robust membership-based health solution, positioning itself as a practical alternative or complement to traditional health insurance, especially for routine and urgent care needs. Instead of connecting patients to individual DPC practices, Mira offers its own comprehensive membership, known as ‘MiraPlus,’ providing access to a curated network of primary care providers, urgent care clinics, and diagnostic services.

The MiraPlus membership typically costs between $89 and $119 per month, depending on the region and any promotional offers. This fee covers unlimited virtual primary care consultations and significantly reduced rates for in-person urgent care visits (often with a low co-pay of $25-$50), discounted lab tests (e.g., blood panels for $30-$60), and imaging services. Prescription discounts are also a core benefit, helping members manage medication costs effectively.

Mira is particularly appealing to the uninsured, those with high-deductible health plans, or individuals seeking a predictable budget for their basic and urgent healthcare needs. It simplifies access to care by bundling essential services into one membership, eliminating the guesswork of fluctuating costs. While it provides a DPC-like experience with consistent access to primary care, it operates more as a network rather than connecting you to a single, dedicated DPC physician with whom you build a long-term, exclusive relationship. However, the convenience and cost predictability make it a strong contender for everyday health management.

Solv Health: Your Gateway to Local Care and DPC Discovery

By 2026, Solv Health has distinguished itself as a user-friendly platform primarily focused on streamlining urgent care and primary care appointments, and increasingly, as a portal for discovering Direct Primary Care options. While it started as a booking engine, Solv has expanded its features to include DPC provider listings, making it a valuable tool for those exploring this model in their local area.

Solv Health itself doesn’t charge a direct membership fee for basic appointment booking; it’s free for users to find and schedule visits with providers in their network. However, in 2026, Solv has introduced ‘Solv Premier,’ a subscription service for around $19 per month. This premium tier offers benefits like expedited booking, priority access to certain telehealth providers, and deeper discounts on specific partner services, enhancing the overall user experience.

For DPC specifically, Solv allows users to search for DPC practices within their vicinity. While the monthly fees for these DPC memberships are paid directly to the individual practices (typically ranging from $70-$120), Solv provides the discovery and convenient booking interface. Its extensive network, especially for urgent care and walk-in clinics, is a significant advantage, ensuring that users can quickly find and book immediate care when needed, complementing their chosen DPC provider for routine issues.

How to Choose

Selecting the right direct primary care marketplace or service requires careful consideration of your personal health needs, financial situation, and preferred mode of care. Each platform — Sesame, Mira, and Solv Health — offers distinct advantages tailored to different user profiles in 2026.

First, evaluate your typical healthcare utilization. If you primarily seek episodic care, require diverse specialists, or prefer the flexibility of paying for services as needed, Sesame offers the most transparent, pay-per-service model. It’s ideal for those who want clear upfront pricing and access to a broad range of providers, including individual DPC practices with their own membership structures.

If you’re looking for a comprehensive, membership-based solution that bundles routine primary and urgent care, particularly if you’re uninsured or have a high-deductible insurance plan, Mira’s MiraPlus membership is a strong contender. Its predictable monthly cost covers a good portion of everyday health needs, offering peace of mind and simplified access to a network of care providers.

For individuals who prioritize convenient booking for urgent care and want an intuitive platform to discover local DPC practices, Solv Health stands out. Its strength lies in its extensive network for immediate care and its growing functionality as a DPC discovery tool, complemented by the optional Solv Premier for enhanced benefits. It’s excellent for those who value seamless appointment scheduling and local access.

Consider your budget carefully. The One Big Beautiful Bill Act (OBBBA) in 2026 makes DPC memberships HSA-eligible, a significant benefit. All three platforms connect you to options that can leverage this. Understand whether you prefer a fixed monthly cost (Mira, or a DPC practice found via Sesame/Solv) or pay-as-you-go flexibility (Sesame’s core model). Finally, think about your preference for in-person versus telehealth. All platforms offer robust telehealth options, but local in-person access remains crucial for many, so check provider availability in your area.

Frequently Asked Questions

Q1: Can I use my HSA/FSA for DPC memberships in 2026?

Absolutely, yes! As of 2026, thanks to the One Big Beautiful Bill Act (OBBBA), DPC membership fees are officially recognized as a qualified medical expense. This means you can confidently use funds from your Health Savings Account (HSA) or Flexible Spending Account (FSA) to pay for your Direct Primary Care membership, making DPC even more financially accessible.

Q2: Do these marketplaces replace traditional health insurance?

No, these direct primary care marketplaces and services typically do not replace traditional health insurance. They are designed to cover routine primary care, urgent care, and preventative services with transparent pricing. For catastrophic events, hospitalizations, or complex specialist care not included in a DPC membership, a high-deductible health insurance plan is still highly recommended to protect against major financial burdens.

Q3: What’s the typical cost saving with Direct Primary Care?

Cost savings with DPC can be significant for individuals and families, especially for routine care. While monthly membership fees range from $60-$120 (for DPC practices) or $89-$119 (for Mira), these often cover unlimited visits, direct access to your doctor, and sometimes discounted labs or prescriptions. Many users find DPC dramatically reduces out-of-pocket costs compared to high co-pays and deductibles in traditional insurance models for primary care needs.

Q4: How do I verify a DPC doctor’s credentials or quality?

Marketplaces like Sesame, Mira, and Solv Health typically perform initial vetting of the providers and practices listed on their platforms. However, it’s always prudent to do your own due diligence. Look for board certifications, read patient reviews on the platform and external sites, and consider scheduling a “meet and greet” consultation (many DPC practices offer these for free) before committing to a membership to ensure a good fit.

Q5: Can I switch Direct Primary Care providers if I’m not satisfied?

Yes, most DPC practices and membership services like Mira offer flexibility. If you’re a member of a DPC practice found via Sesame or Solv, you can typically cancel with a month’s notice and switch to another provider. For Mira, you can cancel your membership according to their terms. Always review the specific cancellation and transfer policies of your chosen provider or membership.

Verdict

In the evolving landscape of 2026 healthcare, Direct Primary Care (DPC) marketplaces offer innovative solutions to the perennial challenges of access, cost, and transparency. While all three platforms—Sesame, Mira, and Solv Health—are valuable, their strengths cater to different user needs, making the “best” choice highly personal.

For those prioritizing ultimate flexibility, upfront price transparency across a vast array of services, and the ability to hand-pick individual DPC practices, Sesame stands out. It empowers consumers with choice, whether they need a one-off telehealth visit or a long-term DPC membership with a specific provider.

If your primary goal is a comprehensive, predictable, and budget-friendly membership that covers most routine and urgent care needs, especially as an alternative to traditional insurance for basic health, Mira excels. Its bundled approach to network access and services offers peace of mind and a streamlined experience.

Finally, if you value convenient booking for urgent care, a wide network for immediate needs, and a robust platform for discovering local DPC practices, Solv Health is your strongest ally. It streamlines the journey to finding and scheduling care, both for unexpected issues and for establishing a direct primary care relationship.

The growth of DPC, fueled by the 2026 OBBBA and the ability to use HSA funds, means more accessible and affordable primary care options are available than ever before. Carefully assess your individual circumstances, and you’ll find a marketplace among these three perfectly suited to your health and financial goals.

Prices and features mentioned are accurate as of the date of publication. Always check the official provider website for the most current pricing and availability.