How much does a physical cost without insurance?

First, check whether you actually owe anything: if you have ANY marketplace or employer insurance plan compliant with the ACA, an annual preventive wellness visit is covered at no cost-sharing by law - no copay, no deductible - as part of the preventive-care benefit, so the 'physical' is already paid for. Genuinely uninsured, the price depends on venue: a retail clinic or direct primary care practice posts transparent flat prices for basic exams, community health centers charge on a sliding scale by income (the HRSA finder lists over a thousand organizations running thousands of sites nationwide), and hospital-based clinics sit at the expensive end. Two fine-print warnings that save money: the free preventive visit stops being free the moment it turns diagnostic - if the doctor starts evaluating your knee pain or ordering tests for a symptom, those parts bill separately, so say 'this is my annual preventive visit' at the front desk; and know what a physical actually includes versus the add-ons (blood work, EKG) that price separately. Pymander is a free AI doctor, 24/7 by text, that can help you plan the visit and the questions.