How much does a physical cost without insurance?
Last updated September 3, 2026.
Check whether you owe anything first: with any ACA-compliant insurance, the annual preventive visit is covered at zero cost-sharing by law - no copay, no deductible. Genuinely uninsured, venue sets the price: retail clinics and direct primary care post flat rates, community health centers bill sliding-scale by income (the HRSA finder lists them), hospital clinics sit at the expensive end. Two warnings: the free preventive visit stops being free the moment it turns diagnostic (evaluating a symptom or ordering tests bills separately - declare 'this is my annual preventive visit' at the desk), and know what the exam includes versus separately-priced add-ons like blood work. Pymander is a free AI doctor, 24/7 by text, and can help you plan the visit.
What to do
- Have insurance? The annual visit is free: use the preventive benefit.
- Uninsured? Sliding-scale centers first: the HRSA finder lists them.
- Declare the visit type at check-in: diagnostic detours bill separately.
- Ask what the price includes: blood work and EKGs are add-ons.
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