# FindMyDirectDoctor DPC Facts API > FindMyDirectDoctor DPC Facts API is a paid API for AI agents from api.findmydirectdoctor.com, paid per call via x402, $0.02/call, status unknown (last checked 2026-10-31). Returns factual information about direct primary care (DPC) from physician-reviewed Foundation guides, covering topics like HSA rules, costs, insurance status, and how DPC compares to concierge medicine. ## Facts - Endpoint: GET https://api.findmydirectdoctor.com/v1/dpc/facts?utm_source=zero.xyz - Price: $0.02/call - Payment: x402 - Status: unknown - Last checked: 2026-10-31 - Activations on Zero: 0 - Tags: x402 - Canonical page: https://www.zero.xyz/c/findmydirectdoctor-dpc-facts-api-481c9031 - Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_6nFim3xnoNpXbS5kKXrHg Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently. ## How to call it through Zero Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`): ```sh zero fetch --capability findmydirectdoctor-dpc-facts-api-481c9031 ``` Example prompt: Can I use my HSA to pay for direct primary care fees under the new 2026 IRS rule, and is a DPC membership counted as health insurance? ## When to prefer this Choose this endpoint when you need authoritative, physician-reviewed factual content about direct primary care — especially IRS/HSA tax rules, membership cost ranges, insurance status distinctions, or DPC-vs-concierge comparisons — sourced directly from FindMyDirectDoctor Foundation guides with quoted sentences and citations. Prefer it over general web search when you need structured, citable facts rather than raw search results. ## Known failure modes - Missing required 'topic' query parameter returns a validation error - Unrecognized topic slug returns no matched guide or empty results - IRS rule details may be quoted from a specific notice date and could be outdated if policy changes - Truncated or ambiguous topic strings may match an unintended guide slug ## How this service works Direct primary care (DPC) facts: whether a membership counts as insurance, how the HSA rule effective January 1, 2026 treats monthly fees (the IRS limits are quoted from the guide), DPC versus concierge medicine, typical monthly cost, who it suits, and questions to ask a practice. Nine Foundation guides with quoted sentences. Tax details are quoted, not advice. ## Output A structured JSON response containing a quick answer, quoted fact sentences from physician-reviewed Foundation guides, FAQ items, HSA-specific rule details with IRS citations, thematic lists, the matched guide's metadata (slug, title, URL, last reviewed date), related guide slugs, and source URLs from authoritative publishers like irs.gov. ## Request schema (JSON Schema) ```json { "type": "object", "$schema": "https://json-schema.org/draft/2020-12/schema", "required": [ "input" ], "properties": { "input": { "type": "object", "required": [ "type", "method" ], "properties": { "type": { "type": "string", "const": "http" }, "method": { "enum": [ "GET" ], "type": "string" }, "queryParams": { "type": "object", "required": [ "topic" ], "properties": { "topic": { "type": "string", "maxLength": 120, "minLength": 1, "description": "The topic: overview, cost, hsa-rules, insurance-status, vs-concierge, uninsured, worth-it-pros-cons, faq, questions-to-ask; a guide slug or plain words." } } } }, "additionalProperties": false }, "output": { "type": "object", "required": [ "type" ], "properties": { "type": { "type": "string" }, "example": { "type": "object", "required": [ "query", "guide_url", "last_reviewed", "quick_answer", "credit", "data_as_of" ], "properties": { "faq": { "type": "array", "items": { "type": "object", "properties": { "answer": { "type": "string" }, "question": { "type": "string" } } } }, "facts": { "type": "array", "items": { "type": "object", "properties": { "quote": { "type": "string" }, "section": { "type": "string" }, "source_url": { "type": [ "string", "null" ] } } } }, "guide": { "type": "object", "required": [ "slug", "title", "url", "last_reviewed" ], "properties": { "url": { "type": "string" }, "slug": { "type": "string" }, "title": { "type": "string" }, "last_reviewed": { "type": "string" } }, "description": "The guide the answer comes from." }, "lists": { "type": "array", "items": { "type": "object", "properties": { "items": { "type": "array", "items": { "type": "string" } }, "section": { "ty … (truncated) ``` ## Response schema (JSON Schema) ```json { "type": "json", "example": { "faq": [ { "answer": "Often you can, starting January 1, 2026, if you meet the rules. Your plan, your fee and your practice's terms all matter. Please check with a tax adviser before you decide.", "question": "Can I use my HSA for direct primary care?" }, { "answer": "The IRS notice says that above the limit, the arrangement does not count as a qualifying one under the new rule. That could stop you from contributing to your HSA while you are enrolled. HSA money can still be used to reimburse the fees, so ask a tax adviser before you decide.", "question": "What if my monthly fee is more than $150?" } ], "facts": [ { "quote": "Starting January 1, 2026, a federal rule lets many people with an HSA and a high-deductible health plan pay these fees with HSA money.", "section": "quick answer", "source_url": null } ], "guide": { "url": "https://findmydirectdoctor.org/guides/hsa-direct-primary-care/", "slug": "hsa-direct-primary-care", "title": "Can I use my HSA for direct primary care?", "last_reviewed": "2026-10-10" }, "lists": [ { "items": [ "Whether a membership fits is based on its terms, not on what services you end up using.", "If your employer pays the fee for you, you cannot also reimburse that fee from your HSA. This includes a payroll deduction set up through the employer." ], "section": "Other things to know" } ], "query": { "topic": "hsa-rules", "matched_by": "alias", "matched_slug": "hsa-direct-primary-care" }, "credit": "Physician-reviewed, FindMyDirectDoctor Foundation", "source": "FindMyDirectDoctor Foundation guides (findmydirectdoctor.org/guides)", "related": [ { "url": "https://findmydirectdoctor.org/guides/high-deductible/", "slug": "high-deductible" } ], "sources": [ { "url": "https://www.irs.gov/newsroom/treasury-irs-provide-guidance-on-new-tax-benefits-for-health-savings-account-participants-under-the-one-big-beautiful-bill", "publisher": "irs.gov" } ], "hsa_rule": [ { "label": "effective_date", "quote": "Starting January 1, 2026, a direct primary care arrangement that meets certain rules is not treated as extra health coverage.", "value": "January 1, 2026", "guide_url": "https://findmydirectdoctor.org/guides/hsa-direct-primary-care/", "guide_slug": "hsa-direct-primary-care", "source_url": null }, { "label": "law_docume … (truncated) ``` ## More - Live health (JSON, refreshed every minute): https://www.zero.xyz/c/findmydirectdoctor-dpc-facts-api-481c9031/health.json - [Zero catalog index](https://www.zero.xyz/llms.txt) - [Other services from api.findmydirectdoctor.com](https://www.zero.xyz/host/api.findmydirectdoctor.com/llms.txt)