Open Enrollment 2027
Start With Care. Add Financial Protection Around It.
Health insurance helps protect you from large medical expenses. EuDoc gives you a doctor you can actually access for the healthcare you use all year.
They do different jobs — and they can work together.
EuDocYOUR CARE
The care you use all year: primary care visits, chronic disease management, direct access to your doctor.
Health InsuranceYOUR BACKUP
Financial protection for large, unexpected costs like hospital stays, surgery, or emergency care.
Think About Healthcare in Two Layers
Your Primary Care
EuDoc provides ongoing primary care through your physician, including preventive care, chronic disease management, sick visits, and help navigating the healthcare system.
No copays or visit fees with your membership. No insurance claims for your EuDoc care.
Financial Protection
Insurance can help protect you from larger expenses outside EuDoc, such as hospitalization, surgery, emergency care, specialty procedures, and expensive treatments.
EuDoc does not sell or recommend insurance plans.
Three Things to Understand Before You Choose a Plan
Each topic below comes with a free guide you can download and keep.
Understand Your Insurance
You don’t need to become an insurance expert, but a few terms matter:
Premium. What you pay to keep your insurance active.
Copay. A fixed amount you may pay for a covered service. This often has nothing to do with the actual cost of care.
Deductible. What you may pay before insurance even begins paying for certain services.
Coinsurance. A percentage of the cost you may pay after the deductible is met.
Out-of-Pocket Maximum. A limit on certain covered costs you pay during the plan year.
PPO, HMO, EPO or HDHP?
These terms describe how different health plans structure networks, referrals, and costs.
PPO. Broader networks with more out-of-network flexibility.
HMO. Care coordinated through your primary doctor, with referrals.
EPO. Network-only coverage, usually without referrals.
HDHP. Lower premiums, higher deductible — often HSA-eligible.
Which plan makes sense depends on your employer contribution, medications, expected healthcare needs, provider network, deductible, and other plan details.
EuDoc works separately from your insurance for the primary care included in your membership.
HSAs + Direct Primary Care
Federal law changed in 2026 to make it easier for qualifying Direct Primary Care arrangements and Health Savings Accounts to work together.
Under the new rules, participation in a qualifying DPC arrangement does not automatically prevent an otherwise eligible person from contributing to an HSA, and HSA funds may be used tax-free for qualifying DPC fees.
2027 HSA Limits
Individual$4,500
Family$9,000
Age 55+ catch-up$1,000
Specific HSA and DPC eligibility rules still apply.
What About Alternatives to Traditional Insurance?
Some people also explore healthcare arrangements that are not health insurance, including healthcare sharing organizations and healthcare crowdfunding models. Examples include Zion HealthShare, Sedera, and CrowdHealth.
These programs operate differently from insurance and do not provide the same contractual guarantees or regulatory protections. Members should carefully review what expenses are eligible, exclusions, limitations, and their responsibility for unpaid medical bills.
EuDoc does not recommend or sell these products.
What Is CrowdHealth?
Dr. Kenneth Qiu spoke with CrowdHealth CEO Andy Schoonover about how healthcare crowdfunding works, medical bill negotiation, and how CrowdHealth’s model differs from traditional health insurance.
CrowdHealth is not health insurance. Statements about CrowdHealth in this interview represent the company’s perspective and are provided for educational purposes.
Your Doctor Shouldn’t Depend on Your Insurance Card
Insurance plans can change from year to year. Your primary care relationship doesn’t have to.
EuDoc gives members direct access to their physician for the everyday healthcare needs that happen between major medical events.
Use EuDoc for your primary care. Choose the financial protection that fits your circumstances.
Important Information
EuDoc is a Direct Primary Care practice and is not health insurance. Membership covers only the primary care services described in the EuDoc membership agreement. Patients remain responsible for services outside the membership, including hospital, emergency, specialist, and other care not provided by EuDoc.
EuDoc does not sell, solicit, negotiate, or recommend health insurance products. Information on this page is general educational information and is not individualized insurance, tax, legal, or financial advice. Consult your insurer, employer benefits department, licensed insurance professional, HSA administrator, or tax adviser regarding your individual circumstances.