Last verified: August 2026. Prices are published cash-pay rates and change without notice — confirm directly with any provider before deciding.
Most telehealth platforms charge $69–$99 per person, per visit. Affordable Medical Access charges $15.95 per month for an entire household of up to eight, with no per-visit fee. Which is cheaper depends entirely on how many people you’re covering and how often you expect to need care — the comparison below lays out both, including the cases where another option is the better buy.
How do the major telehealth services compare on price?
| Service | Urgent / general visit | Mental health | Household coverage |
|---|---|---|---|
| Affordable Medical Access | $0 (with $15.95/mo membership) | $0 | Up to 8 members, one price |
| Teladoc | $75 – $89 | $99+ | No — per person, per visit |
| MDLIVE | $82 – $85 | from ~$108 | No — per person, per visit |
| Amwell | $69 – $79 | Varies | No — per person, per visit |
| Doctor on Demand | $89 – $99 | $134 (25 min) / $179 (50 min) | No — per person, per visit |
| PlushCare | ~$129 | Varies | No — per person, per visit |
| HealthTap | $44 – $129 | Varies | No — per person, per visit |
| Sesame | $29 – $62 | Varies by provider | No — per person, per visit |
Where each option is genuinely the better choice
No single service wins for everyone. Here is where each one actually makes sense — including the cases where we don’t.
Choose Sesame or a marketplace if you’re a single adult who rarely needs care
A one-off consultation from about $29 is cheaper than any monthly commitment if you see a doctor once every year or two and have no interest in counseling. A membership you don’t use is money spent for nothing. This is a real case, and it’s the clearest one where we’re not your best option.
Choose Teladoc or MDLIVE if your employer or insurer already covers them
Both are integrated with many employer plans and insurers, which can bring your cost per visit to $0 or near it. If a telehealth benefit is already bundled into coverage you’re paying for, use it. Check your plan documents before paying anyone out of pocket, including us.
Choose PlushCare or a physician-guaranteed service if seeing an MD matters to you
Some platforms staff urgent care visits primarily with nurse practitioners and physician assistants, and you often cannot choose your provider. Services that guarantee a physician on every visit charge more, and for some patients and conditions that premium is worth paying.
Choose a dedicated therapy platform for intensive mental health treatment
If you need a specific therapeutic modality, a particular specialty, or psychiatric medication management with a consistent prescriber, a dedicated mental health service will serve you better than a general telehealth membership.
Choose Affordable Medical Access if you’re covering more than one person
One membership covers up to eight household members with unlimited visits and no per-visit fee. For families, multi-generational households, or anyone likely to need care more than once or twice a year, the arithmetic stops being close — and it does not change based on how often anyone uses it.
What does a year actually cost?
Affordable Medical Access is $191.40 a year, total, for up to eight people. Here is the same year on a pay-per-visit platform at a mid-range $89.
| Household over one year | Pay-per-visit at $89 | AMA membership |
|---|---|---|
| 1 person, 1 visit | $89 | $191.40 |
| 2 people, 2 visits each | $356 | $191.40 |
| Family of 4, 2 visits each | $712 | $191.40 |
| Family of 4 + 12 therapy sessions | $2,320 | $191.40 |
| Household of 8, 2 visits each | $1,424 | $191.40 |
Note the right-hand column never changes. Spread across a full household of eight, $191.40 works out to about $23.93 per person for the year.
What none of these replace
Every service on this page is telehealth, not health insurance. None of them cover hospital stays, surgery, imaging, lab work, or specialist care, and a membership does not qualify as Minimum Essential Coverage under the Affordable Care Act.
Virtual care also can’t handle anything requiring physical examination or imaging — broken bones, serious injuries, chest pain, difficulty breathing, or severe abdominal pain. For a life-threatening emergency, call 911. If you or someone in your household is in crisis, call or text 988 for the Suicide and Crisis Lifeline.
Frequently asked questions
Which telehealth service is cheapest without insurance?
For a single one-off visit, a marketplace like Sesame starting around $29 is cheapest. For any household of two or more, or anyone needing care more than once a year, a flat monthly membership costs less overall.
Do other telehealth services cover a whole family?
Generally no. Most major platforms charge per person, per visit, with no household or family rate available. Affordable Medical Access covers up to eight household members on one $15.95 monthly membership.
Is Affordable Medical Access cheaper than Teladoc?
For a household, substantially. One Teladoc visit at $89 costs more than five months of an AMA membership that covers up to eight people. For a single adult expecting one visit every couple of years, a one-off Teladoc or marketplace visit costs less.
Can I use a telehealth membership alongside my insurance?
Yes. It sits alongside existing coverage rather than replacing it, and is often used to avoid deductible costs on routine care. Check whether your plan already includes a telehealth benefit before paying separately.
How often are these prices updated?
This page is reviewed every six months. The verification date appears at the top. Because published rates change without notice, confirm current pricing directly with any provider before making a decision.
One price. Your whole household.
$15.95/month covers up to 8 household members. Unlimited 24/7 virtual urgent care and licensed behavioral health counseling in all 50 states and Puerto Rico. No co-pays, no deductibles, no per-visit fees.
Get Covered Now — $15.95/mo | Obtener Cobertura — $15.95/mes
Comparison information is provided for general informational purposes and reflects publicly published cash-pay rates as of the verification date above. All company and product names are the trademarks of their respective owners; reference to them does not imply affiliation or endorsement. Affordable Medical Access is a telehealth membership benefit, not health insurance, and does not qualify as Minimum Essential Coverage under the Affordable Care Act.
