Comparison Guide
Hybrid Coverage Models JHA Recommends
Most JHA clients don't use a single product — they combine two or three to get better coverage at lower total cost. Here are the four combinations we see working best, and who each one fits.
| Combination | What each part does | Combined cost shape | Total coverage picture | Best fit |
|---|---|---|---|---|
| DPC + Health Share | DPC handles primary care, urgent visits, chronic management; health share covers eligible major medical | Lower than most ACA plans for healthy families | Primary care included; sharing for hospitalization, surgery, major specialist care | Healthy individuals and families, faith-aligned, want strong primary care relationship |
| DPC + Catastrophic insurance | DPC handles routine care; high-deductible insurance covers catastrophic events | Often comparable to a Bronze ACA plan, with better routine access | Primary care included; insurance contractually covers high-cost events | Self-employed and small employers wanting predictable primary care + insurance backstop |
| DPC + Hospital indemnity | DPC handles primary care; hospital indemnity pays cash for inpatient stays | Lowest total monthly cost | Primary care included; indemnity provides liquidity for hospital events (not full coverage) | Healthy, lower-income individuals comfortable with self-pay for non-hospital costs |
| DPC alone | Primary care via DPC; everything else self-pay | Just the DPC membership | Primary care only; no protection for major events | Younger, very healthy adults during defined time windows; not generally advised long-term |
Important: All combinations involving DPC or health share include non-insurance components. The right combination for you depends on health status, financial situation, family size, and risk tolerance. JHA designs these on a per-household basis — schedule a consultation for a strategy tailored to your situation.
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