A New Waco DPC Clinic Prices Every Tier Under the HSA Cap. Its Employer Page Cites a Savings Range Hint's Report Doesn't Contain.

Krystle Bates practiced family medicine with Baylor Scott & White until this summer. Now she and her husband, Chris, are getting ready to open a direct primary care clinic on Melrose Drive in Waco, Texas.

Pre-enrollment is open through the clinic’s website, and its services page tells new members they “will not be billed until we open.”

The price sheet holds up well. One line on the employer page doesn’t.

Five age bands, all under $150

Bates earned her medical degree at Virginia Commonwealth University in 2015 and finished residency in 2018, according to her practice bio. She writes that insurance-driven paperwork had her “even considering leaving medicine altogether.” Chris, a medically retired Navy veteran who studied entrepreneurship at Baylor, runs scheduling, billing and marketing.

The pricing page sets five monthly tiers by age:

• $45 for ages 5 to 17
• $75 for ages 18 to 39
• $85 for ages 40 to 54
• $95 for ages 55 to 64
• $115 for 65 and older

A non-member can buy a one-time acute visit for $125. The American Academy of Family Physicians says DPC fees “generally range from $50 to $100” a month, so the three adult tiers under 65 sit inside that band and the oldest tier sits above it. Prices vary by practice and by market. This is one clinic’s sheet.

Every tier also stays under $150, and that number carries weight now. Under IRS Notice 2026-5, a DPC arrangement doesn’t by itself cost you HSA contribution eligibility as long as your monthly DPC fees don’t exceed $150, or $300 for an arrangement covering more than one person. Revenue Procedure 2026-24 kept both limits the same for 2027.

By DPC Insider’s arithmetic, two parents in their forties and two school-age kids would pay $260 a month on Waco’s sheet. That’s under the $300 line. The last age-banded launch DPC Insider covered, New Kent Direct Care in Virginia, cleared the cap with only its youngest monthly tier.

Labs leave one question open. The clinic doesn’t run labs or imaging in-house, and its services page says patients can file lab bills with insurance or “have the bill added to your next month’s membership fee,” with the price known up front. Notice 2026-5 says the “sole compensation” for care under a qualifying arrangement must be the fixed periodic fee. It also lets a practice bill members separately for items it sells outside the arrangement to members and non-members alike. The site doesn’t say which side of that line a lab charge on the membership invoice falls.

What the footnote says

The clinic’s page for employers makes three numerical claims. Employers “typically see 25–40% reduction in total healthcare spending when they offer DPC as a benefit,” it says, crediting “Hint Health. Employer Trends in Direct Primary Care 2025.” Employees “miss 40–60% fewer workdays.” Members see “50–70% fewer emergency room and urgent care visits.”

DPC Insider read the Hint report behind the first claim. The 30-page PDF draws on more than 2,400 DPC clinicians and 1.2 million members who use Hint’s software, with data through December 2024. It states no 25 to 40 percent range.

What it has is two employer case studies with cost figures.

In the first, a national real estate firm offered DPC alongside a Gold PPO plan. Its 98 DPC enrollees cost $282.08 per member per month. The 127 enrollees outside DPC cost $591.57, a 52% gap. The report’s own notes say outliers above $250,000 were removed and that the comparison “isn’t risk adjusted.”

In the second, Parrish Enterprises in Enid, Oklahoma, working with Reliant DPC, reports a 26% reduction in cost for the employer in year four.

That’s two employers. A 25 to 40 percent range for what employers “typically” see does not appear in the source the page cites, and neither case study supports the word “typically.”

The other two figures fare no better on the page. The ER line credits “Hint Health reports and DPC clinic utilization data (2024–2026).” The 2025 report says employer case studies “demonstrate fewer ER visits” and gives no percentage. The workday line credits “aggregated employer outcome data from DPC Frontier and multiple DPC practice case studies” and names no study. The Hint report has no missed-workday figure at all.

What a broker does with that page

The case for employer DPC survives this. A 52% gap at one firm and a 26% cut at another are real numbers, and a Waco business owner might reasonably want to hear them.

But an employer page is the document a benefits broker forwards to a CFO. A range with a citation reads as a finding. When the cited source turns out to hold two priced case studies, the first person who checks stops trusting the rest of the page, including the parts that are true.

If you might be building your own employer page, the specific claim is the durable one. “One Oklahoma employer reported a 26% cost reduction in year four” sounds smaller than “employers typically see 25 to 40 percent.” It’s also the sentence that survives a broker’s follow-up email.

The clinic’s posted office hours alternate between 7 a.m. to 4 p.m. and 10 a.m. to 7 p.m. through the week. The site calls them tentative and says the practice “would love input from our members.”