How Much Does Annual Physical Exam Cost?
An annual physical exam is a comprehensive health checkup that includes vital signs measurement, physical examination, health history review, and age-appropriate screenings. Under the Affordable Care Act, preventive visits are covered at no cost to insured patients.
Without Insurance
$250
With Insurance
$0
Medicare
$0
National Average
$83
Cost by State
| State | Without Insurance | With Insurance | Medicare |
|---|---|---|---|
| Mississippi | $182 | $0 | $0 |
| Arkansas | $188 | $0 | $0 |
| West Virginia | $188 | $0 | $0 |
| Alabama | $195 | $0 | $0 |
| Oklahoma | $195 | $0 | $0 |
| Kentucky | $212 | $0 | $0 |
| Louisiana | $215 | $0 | $0 |
| Iowa | $220 | $0 | $0 |
| New Mexico | $220 | $0 | $0 |
| South Carolina | $220 | $0 | $0 |
| South Dakota | $220 | $0 | $0 |
| Kansas | $222 | $0 | $0 |
| North Dakota | $222 | $0 | $0 |
| Idaho | $225 | $0 | $0 |
| Nebraska | $225 | $0 | $0 |
| Tennessee | $225 | $0 | $0 |
| Indiana | $232 | $0 | $0 |
| Missouri | $232 | $0 | $0 |
| Utah | $232 | $0 | $0 |
| Wyoming | $232 | $0 | $0 |
| Georgia | $235 | $0 | $0 |
| North Carolina | $235 | $0 | $0 |
| Michigan | $238 | $0 | $0 |
| Montana | $238 | $0 | $0 |
| Arizona | $245 | $0 | $0 |
| Ohio | $245 | $0 | $0 |
| Wisconsin | $245 | $0 | $0 |
| Maine | $248 | $0 | $0 |
| Texas | $248 | $0 | $0 |
| Florida | $252 | $0 | $0 |
| Minnesota | $252 | $0 | $0 |
| Illinois | $258 | $0 | $0 |
| Pennsylvania | $258 | $0 | $0 |
| Delaware | $260 | $0 | $0 |
| Nevada | $260 | $0 | $0 |
| Vermont | $260 | $0 | $0 |
| Virginia | $260 | $0 | $0 |
| Colorado | $265 | $0 | $0 |
| New Hampshire | $265 | $0 | $0 |
| Oregon | $265 | $0 | $0 |
| Maryland | $275 | $0 | $0 |
| Rhode Island | $278 | $0 | $0 |
| Washington | $278 | $0 | $0 |
| Connecticut | $300 | $0 | $0 |
| New Jersey | $300 | $0 | $0 |
| California | $328 | $0 | $0 |
| Massachusetts | $332 | $0 | $0 |
| Alaska | $338 | $0 | $0 |
| New York | $338 | $0 | $0 |
| Hawaii | $345 | $0 | $0 |
Frequently Asked Questions
How much does annual physical exam cost without insurance?
The average cost of annual physical exam without insurance in the United States is $250. Costs vary significantly by state.
Does insurance cover annual physical exam?
Most health insurance plans cover annual physical exam when medically necessary. With insurance, the average out-of-pocket cost is $0.
Does Medicare cover annual physical exam?
Medicare Part B typically covers annual physical exam when ordered by a doctor. The average Medicare-approved amount is $0.
Data sourced from CMS Medicare Provider Utilization and Payment Data 2025. Last updated: 2026-03-01. This information is for educational purposes only and does not constitute medical advice. This website is for informational purposes only and does not constitute medical advice. Always consult a qualified healthcare professional.