The Insurance vs. Self-Pay Challenge
Find out what your healthcare actually costs both ways, with real prices, before you decide anything
7-Day Step-by-Step Guide → Run your own numbers → Make an informed decision
Insurance vs Self-Pay Calculator
See how much you save with FairVisitHealth self-pay vs traditional insurance
Why FairVisitHealth Beats Insurance
No Monthly Premiums - Pay only for care you use
No Deductibles - Pay transparent self-pay prices from day one
No Network Restrictions - Access any provider nationwide
No Prior Authorization - Book appointments instantly
Transparent Pricing - See estimated costs upfront
Prices based on CMS Medicare fee schedules and market data
Disclaimer: This calculator provides estimates only based on the inputs you provide. Actual savings vary based on your specific healthcare needs, location, and provider choices. FairVisitHealth is NOT health insurance. Self-pay pricing requires verification with individual providers. For major medical events or ongoing conditions, health insurance may provide valuable protection. Consult a licensed insurance advisor for personalized guidance.
The 7-Day Cost-Comparison Challenge
Calculate Your Current Insurance Cost
Add up: Monthly premium × 12 + deductible + co-pays. Most people pay $6,000-$18,000/year.
List Your Annual Healthcare Needs
Search FairVisitHealth for: Annual physical, labs, prescriptions, specialists, imaging. Get self-pay prices.
Run the AI Comparison (Above)
See a dollar-for-dollar comparison of your insurance costs against real self-pay prices for the care you actually use.
Get FairPass ($199/year)
Access complete pricing information for all services. One-time annual fee = 2-3 weeks of insurance premiums.
Book Your First Self-Pay Appointment
Use FairVisitHealth search to find providers. Negotiate with AI-generated letter. Pay cash rate upfront = instant savings.
Keep Catastrophic Coverage (Optional)
$50-$150/mo high-deductible plan for accidents/emergencies. Still save $4,000-$10,000/year vs regular insurance.
Track Your Savings for 1 Year
The dashboard tracks what you actually spend against what your old insurance cost, so the comparison is your own data, not a promise.
Challenge Result: You Know Your Numbers
After 7 days you'll have your own side-by-side comparison built from real prices, not marketing claims. Whatever you decide about your coverage, decide it with data, and talk to a licensed insurance advisor before making changes.
Prices Vary Widely
The same procedure can cost several times more at one provider than another; comparing cash prices is how you find the low end
No Networks
See any provider nationwide — no prior authorization needed
Instant Booking
Book appointments same-day without insurance delays
Price Guarantee
See real posted prices before you book, so you can avoid surprise bills
Illustrative Scenarios: Insurance vs. Self-Pay
Illustrative Example: Self-Employed Professional
"A self-employed person paying $650/mo for insurance they rarely use could potentially save by switching to self-pay for routine care. Actual savings depend on health needs, usage, and risk tolerance."
*This is a hypothetical scenario, not a recommendation to cancel insurance. Consult a licensed insurance advisor.
Illustrative Example: Freelance Worker
"A healthy freelancer paying $1,200/mo with a $6,000 deductible might spend $20,400/year before insurance covers anything. Self-pay options (physical $150, MRI $400) could be cheaper for routine care."
*Hypothetical scenario. Going without insurance carries risk for emergencies and chronic conditions.
Illustrative Example: High-Deductible Plan Holder
"Someone with a high-deductible plan paying $400/mo + $5,000 deductible = $9,800/year might find self-pay pricing more affordable for routine care. Compare costs before deciding."
*Hypothetical scenario. Consult a licensed advisor before changing coverage.
FairVisitHealth is not an insurance company, broker, or advisor, and nothing on this page is insurance or financial advice. Dropping or reducing health coverage carries serious financial and health risks, especially for emergencies, hospitalizations, and chronic conditions. Savings depend entirely on your health needs and usage; there is no typical result. Consult a licensed insurance advisor before changing coverage.