Concierge Medicine Break-Even Point: About 91 Members

Fixed costs $52.4K/mo Year 1 base

Contribution margin 83% After variable costs

Break-even revenue $63.2K/mo Monthly target

Break-even timing Month 6 Model breakeven

Break-even calculator

Test whether monthly membership revenue covers variable costs and the clinic's fixed monthly overhead.

Lean Base Full

Monthly revenue Revenue is the pool that covers variable costs and fixed overhead. $ Lower sales Higher sales Variable expenses Direct costs here include supplies, diagnostics, and software tied to patient volume. $ Lower direct Higher direct

Money available to cover fixed costs $64,740 $78,000 revenue - $13,260 variable expenses

Margin ratio

83%

Covers fixed costs

Yes

Fixed monthly costs This is the monthly overhead contribution margin must cover. $ Lower overhead Higher overhead

Break-even chart Revenue Total costs

Which expenses are fixed, and which move with membership sales?

Cost classification

Your break-even depends on keeping rent, core payroll, and insurance in fixed overhead while applying member-driven items as percentages of revenue. If payroll, rent, or software flex cleanly with patient count, Month 6 break-even can look safer than it is.

Expense	Cost	Break-Even Treatment	Common Mistake
Clinic Rent and Facility	Fixed	Use $6,500 per month as baseline overhead from Month 1 through Month 60.	Reducing rent when member count drops.
Professional Liability Insurance	Fixed	Include $2,500 per month before calculating member contribution margin.	Treating insurance as visit-based spending.
Primary Care Physician payroll	Fixed	Model $220,000 per year as a capacity commitment, not a per-member charge.	Assuming physician pay flexes cleanly with patient count.
Medical Supplies and Diagnostic Equipment	Variable	Apply 8% of revenue in the first year, then the forecast percentage by year.	Using a flat monthly amount despite revenue-linked usage.
Electronic Health Records and Software Licenses	Variable	Apply 9% of revenue in the first year, then the forecast percentage by year.	Treating software as only a fixed subscription.
Annual Marketing Budget and CAC	Semi-variable	Use the $36,000 first-year plan and test acquisition volume at $150 CAC.	Modeling marketing as purely fixed or purely per-member.
Marketing and Business Development Manager	Semi-fixed	Add the $75,000 annual salary starting Month 13 as a staffing step.	Loading the role into opening-month break-even.

How much does break-even rise from a lean launch to a full concierge medicine setup?

Scenario table

Higher fees and lower variable cost help, but added staffing lifts fixed overhead fast. Here’s the quick math: lean breaks even near $66.8k a month, base near $76.9k, and full near $107.5k.

Planning assumptions only: these figures use the model’s pricing, staffing, marketing, and margin inputs, so demand is not guaranteed.

Scenario	Monthly Revenue	Variable Costs	Fixed Costs	CM Ratio	Operating Profit	Break-Even Signal
Lean launch structure	$66,787	$11,354	$55,433	83%	$0	About 91 active accounts covers overhead.
Base staffed structure	$76,855	$12,297	$64,558	84%	$0	About 98 active accounts hits break-even.
Full multi-provider structure	$107,538	$13,982	$93,558	87%	$0	About 117 active accounts is the break-even line.

What breaks this concierge medicine break-even plan if enrollment slows or overhead climbs?

Stress test

Break-even is fragile here. Year 1 needs about $66.8k a month on $55.4k of fixed costs at an 83% margin, and a 10% miss on revenue or overhead adds about $6.7k a month; Month 6 cash need hits $696k.

Stress Case	Changed Assumption	Break-Even Revenue	Revenue Gap	Risk Signal
Current plan	No change to Year 1 base case.	$66,787	$0 cushion	No cushion if enrollment slips.
Revenue shortfall	Revenue lands 10% below break-even.	$66,787	$6,679 gap	A small miss quickly eats monthly margin.
Fixed-cost increase	Fixed overhead rises 10% a month.	$73,466	$6,679 gap	Rent, payroll, and admin now need more revenue.
Margin pressure	Contribution margin falls from 83% to 78%.	$71,068	$4,281 gap	Higher service cost pushes break-even up fast.
Combined pressure	Fixed overhead rises 10% and margin falls to 78%.	$78,208	$11,421 gap	Early hiring and cost creep can outrun panel growth.

Is the membership mix, staffing plan, and cash cushion strong enough to support break-even before you sign the lease?

Founder checklist

Test the model before you lock the clinic or hire the team. The first-year mix needs about $740 in weighted monthly revenue per active account, and the plan only works if you can hold the cost ramp and still absorb the Month 6 cash trough of $696K.

1Panel Target$740 mix / 91 accts

Verify the membership mix averages about $740 a month per active account, because that is what makes the 91-account break-even target believable before you sign the lease.

2Fixed Load$14.1K/mo

Check that the full fixed load stays near $14.1K a month, including $6.5K rent and $2.5K malpractice, because those costs hit before the panel fills.

3Direct Margin83%

Keep supplies and software near 17% of revenue so about 83 cents of each dollar is left to cover payroll, rent, and overhead.

4Staffing Ramp$38.3K/mo

Confirm Year 1 payroll is about $38.3K a month before payroll taxes or benefits, and do not pull the $75K marketing manager forward from Month 13.

5Launch CAC$36K / $150

Test that $36K of Year 1 marketing can hold CAC near $150, or new member growth will miss the panel needed for break-even.

6Cash Cushion$166K / $696K

Make sure the opening cash plan can fund the $166K setup bill and still leave about $696K at Month 6, because that is the model's low point.