Without a history of rising PSA it is unlikely that your insurance will consider either the ExoDX ($300-$400) or the PSE test ($1000) as medically necessary. This compares to the PSA and Free PSA costing your insurance about $10 each. If you are worried enough to pay for one get the PSE since it is much more accurate. FYI: All of the ranges for the Free PSA were developed based on total PSA between 4.0 and 10.0 and they do not claim accuracy with lower total PSA. The .26/2.06 is 12.6% and that falls into the lower end of the Free PSA gray zone 10-25%. Prostate cancer tends to be slow growing so you have time to see what is going on. The kicker is that even if you went through the mpMRI, biopsy, etc. and cancer was found it is very unlikely to be more than a Gleason 3+3 and the urologist will recommend active surveillance (i.e., get more PSA tests on a regular basis and delay treatment until it gets worse).