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How Much Does Annual Physical Cost in 2026?

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Average Cost Overview

With Insurance

$0 (preventive)

Without Insurance

$100-$400

Cash-Pay Options

Most insurance covers annual physicals at 100% as preventive care.

Factors Affecting Price

  • Geographic location
  • Provider type and experience
  • Facility type (hospital vs private)
  • Complexity of service
  • Insurance network status

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How to Save

  • Compare prices from multiple providers
  • Ask about cash-pay discounts
  • Use in-network providers
  • Check for community or teaching options
  • Use HSA/FSA funds if available

Frequently Asked Questions

How much does annual physical cost without insurance?

Annual Physical typically costs $100-$400 without insurance. Prices vary by location and provider.

Is annual physical covered by insurance?

With insurance, expect to pay $0 (preventive). Coverage depends on your plan and medical necessity.

How can I save on annual physical?

Most insurance covers annual physicals at 100% as preventive care.

Why do prices vary so much?

Prices vary based on location, provider credentials, facility type, and complexity of care.

How do I compare prices?

OpenMyPro lets you compare cash-pay prices from local providers in seconds.

Disclaimer: This content is for informational purposes only and does not constitute medical advice. Always consult a qualified healthcare provider for diagnosis and treatment.

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Written by

OpenMyPro Health Team

Last updated: April 9, 2026