HSAs Can Now Cover Direct Primary Care Memberships—What the New Law Means for You

A Historic Win for DPC and Healthcare Consumers

I’m excited to share some big news with you! Starting January 1st, 2026, you’ll be able to use funds from your Health Savings Account (HSA) to pay for your direct primary care (DPC) membership. For the first time, we can combine the tax-free savings of an HSA with personalized, ongoing care through direct primary care memberships—removing a barrier that has held many patients back.

What Changed and Why It Matters

Thanks to recent legislation, direct primary care memberships are now officially HSA-eligible—up to $150/month for individuals and $300/month for families.

Previously, the IRS treated DPC like it was health insurance, which meant you couldn’t use your HSA funds for this type of care. Now, that roadblock is finally gone! Starting in 2026, you’ll be able to use your pre-tax HSA dollars to cover your direct primary care memberships with me, giving you access to unlimited primary care visits, same-day appointments, and the peace of mind that comes from knowing I’m here for you—not just when you’re sick, but as your ongoing partner in health.

What is an HSA?

A Health Savings Account (HSA) isn’t just another bank account—it’s a powerful tool for managing both your healthcare and your finances. With it, you can set aside money for qualified medical expenses like deductibles, copayments, and coinsurance of a High Deductible Health Plan (HDHP).

I'm all about playing by the rules with the tax man, but let's not give him what we can keep in our pockets. Honestly, I’d rather see you spend that cash on something fun—like a dog sweater, a quirky coffee mug, or that extra espresso shot that gets you through Monday morning.

When you contribute to an HSA, you’re not just saving—you’re gaining the following tax advantages:

• Pre-tax contributions lower your taxable income.

• Tax-free growth lets your balance build through interest or investments.

• Tax-free withdrawals mean you can pay for qualified medical expenses without paying extra taxes.

Unlike a Flexible Spending Account (FSA), HSA funds roll over year to year, stay with you if you change jobs or retire, and can cover qualified expenses for your spouse or dependents. You can only contribute if you’re enrolled in an HSA-eligible HDHP, so Medicare enrollees or those with plans covering services before the deductible (“first-dollar coverage”) aren’t eligible.

In short, an HSA puts you in the driver’s seat of your healthcare spending, offering both immediate savings and a long-term financial strategy.

Why This is a Game-Changer for DPC

I’ve seen firsthand how direct primary care memberships change the way people experience healthcare. It’s about building a real relationship between you and me—you’ll get unlimited visits, same-day appointments, and direct access without the headaches of insurance or surprise bills.

Using pre-tax HSA dollars stretches your healthcare spending even further, and if you invest the rest of your HSA, it grows tax-free, giving you financial security and healthcare benefits over time. That means fewer surprises and more predictability—which is way better than puzzling over a mystery bill in the mail!

What This Means for Individuals and Families

This shift isn’t just about saving money—it’s about giving you more control and peace of mind.

• For families: You’ll be able to save more while building a consistent, ongoing relationship with me as your primary care doctor.

• For individuals: You’ll have greater control over your healthcare, fewer surprise bills, and easier access to me when you need care.

• For employees: This will be something to look for during 2026 open enrollment. Employers can finally highlight DPC as a real option for maximizing healthcare dollars.

Planning Ahead for 2026 Open Enrollment

The law takes effect in January 2026, but it’s smart to start preparing now. In 2025, you can contribute up to $4,300 for individuals, $8,550 for families, plus a $1,000 catch-up if you’re 55 or older.

If you start contributing early, you’ll have a ready fund to cover your direct primary care memberships once the law takes effect. That way, you’ll be set up to take advantage of tax-free healthcare spending and have time this fall to review your open enrollment materials and see how DPC fits into your benefits strategy.

I always recommend pairing direct primary care memberships with lower-cost, high-deductible health insurance plans. Think of it like car insurance—you keep it in place for major, unexpected events, but save money day-to-day by working directly with a DPC doctor for your routine and preventive care.

A New Era for Healthcare Savings

With direct primary care memberships HSA-eligible, we’re entering a new era of healthcare savings—where you can enjoy personalized care while maximizing financial benefits. For you, it means more affordable, direct access to me as your doctor—plus the ability to invest in your health while still keeping more money in your pocket.

If you’d like to learn how direct primary care memberships can work for you and your family, schedule a meet-and-greet with me so we can explore what this new opportunity could look like for your care.