A physical exam costs $100 to $500 without insurance in 2026
A physical exam costs $100 to $500 without insurance in 2026. CoveredUSA lists a national median of about $250 for the visit. Where you go matters most. CoveredUSA lists retail clinics at $100 to $200 and hospital clinics at $250 to $500. Lab tests and shots are often billed apart from the visit. Ask for the cash price before you book.
What price guides say
We checked 3 price guides and read every number on their pages on October 7, 2026. They do not all measure the same thing, so read each line for what it counts.
| Source | What it found |
|---|---|
| CoveredUSA | CoveredUSA lists an annual physical without insurance at $150 to $500, with a median near $250, retail clinics at $100 to $200, and labs at $30 to $200. |
| Ubie Health | Ubie Health says a physical without insurance averages $100 to $300, and can reach $500 or more with bloodwork or screenings. |
| ThePricer.org | ThePricer.org lists a self pay physical at $100 to $350 or more, primary care offices at $150 to $350, and an expanded package at $397. |
Physical exam cost by setting, no insurance
| Setting or test | Price | Source |
|---|---|---|
| Retail clinic or urgent care | $100 to $200 | CoveredUSA |
| Independent primary care office | $150 to $350 | CoveredUSA |
| Hospital clinic | $250 to $500 | CoveredUSA |
| Community health center, sliding scale | $20 to $150 | CoveredUSA |
| Lab tests, extra | $30 to $200 | CoveredUSA |
| Expanded package with tests | $397 | ThePricer.org |
| CBC, CMP, and lipid panel at Quest | $137 together | ThePricer.org |
| Checkup with bloodwork or screenings | $500 or more | Ubie Health |
Every number in this table was read on one of the source pages listed at the bottom of this page.
What pushes the price up
| What | Why it matters |
|---|---|
| Where you go | Retail clinics cost least and hospital clinics cost most. CoveredUSA lists $100 to $200 at retail clinics and $250 to $500 at hospital clinics. |
| Lab work | Blood tests are often billed apart from the visit. CoveredUSA lists labs at $30 to $200, and ThePricer.org lists three common tests at $137 together at Quest. |
| Type of bill | A visit billed as preventive care can cost less than a problem visit. CoveredUSA says charges can run from $0 to $350 or more based on coding. |
| Extra tests and shots | An EKG, vaccines, or imaging can add to the bill. ThePricer.org lists an EKG at $50 in one package, and CoveredUSA says vaccines are billed apart. |
| Sliding scale options | Community health centers set fees by income. CoveredUSA lists $20 to $150 at federally qualified health centers. |
What the price includes
A basic physical covers a health history, vital signs, a body exam, and advice on screenings. Blood work, an EKG, vaccines, and imaging are often billed on top. ThePricer.org shows one clinic with a $150 annual physical where imaging and labs bill apart. Ask for a price list before you book. It does not include tax or extras the provider adds on the day.
Does insurance cover it
Many plans cover a yearly preventive visit when you use an in network doctor. CoveredUSA says the bill can change if the doctor adds a problem focused visit, which can cost $100 to $250. Labs and extra tests may have a copay or count toward your deductible. Call your plan first and ask what is covered. If you have no insurance, ask for the cash price, since sliding scale clinics can charge $20 to $150 for the visit. Get it in writing.
When a doctor orders it
A doctor may ask for a physical each year, before a new job or sport, or when you start a new medicine. It is a time to check blood pressure, update shots, and ask about screenings that fit your age. Go sooner if you have new pain, weight change, or other worries. Bring a list of your medicines and your questions.
How to judge your quote
- Is the price for the visit only, or does it include labs?
- Will it be billed as preventive care or as a problem visit?
- What is the cash price if you skip insurance?
- Which tests are extra, and what do they cost?
- Compare the total with the range above: $100 to $500 per visit for most people in 2026.
Ways to pay less
- Ask the clinic for a cash price before you book. Many clinics offer a flat self pay rate, which may be lower than the billed rate.
- Try a community health center. CoveredUSA lists sliding scale visits at $20 to $150 for people who qualify.
- Order lab tests direct from a lab. ThePricer.org lists Quest direct pay prices of $29 for a CBC, $49 for a CMP, and $59 for a lipid panel.
- Ask if the visit will be billed as preventive. CoveredUSA says a problem focused add on can raise the charge by $100 to $250.
- Use a retail clinic or urgent care for a basic exam. CoveredUSA lists those at $100 to $200 without insurance.
How we got these numbers
The range on this page comes from CoveredUSA, Ubie Health and ThePricer.org. We opened each source page and read every number on it on October 7, 2026. Where the sources disagree, the table above shows each one so you can see the spread. These are planning ranges, not quotes. The written price you are given is the real price.
Common questions
How much does a physical cost without insurance?
CoveredUSA lists $150 to $500. Ubie Health lists $100 to $300 for a basic exam.
Where is a physical cheapest?
CoveredUSA lists retail clinics and urgent care at $100 to $200. It lists community health centers at $20 to $150 on a sliding scale.
How much do blood tests add?
CoveredUSA lists labs at $30 to $200. ThePricer.org lists CBC, CMP, and lipid tests at $137 together at Quest.
Why do two physicals cost so differently?
CoveredUSA says billing as preventive or as a problem visit is the biggest driver. Charges can range from $0 to $350 or more.
How much does a full checkup cost?
Ubie Health says a checkup with bloodwork or screenings can reach $500 or more. ThePricer.org lists an expanded package at $397.