We’re excited to share that effective January 1, 2026 new regulations will allow patients to use Health Savings Account (HSA) funds to pay for their Direct Primary Care membership. This is a significant development that makes it easier to combine the financial benefits of an HSA with DPC.

What is an HSA account?
A Health Savings Account (HSA) is a specialized bank account you can use to save money for medical costs. You put money in before taxes, which helps lower your taxable income, and then you can use it to pay for things like doctor visits, prescriptions, or other healthcare expenses. The best part is the money you don’t use stays in the account year after year, and it’s still yours even if you change jobs or insurance.

Who is eligible for an HSA?
To have an HSA, you must be enrolled in a high-deductible health plan (HDHP) and not be claimed as a dependent on someone else’s taxes or enrolled in other non-HDHP health coverage. HSAs let you save pre-tax dollars for qualified medical expenses, giving you both flexibility and tax advantages.

 

Why this matters:
Previously, DPC memberships weren’t considered HSA-eligible. Recent changes now allow DPC memberships to qualify as qualified medical expenses, so you can use your HSA funds to cover your membership fees.
 

Benefits of using your HSA for DPC Membership:

HSA dollars are pre-tax, so using them for your membership reduces your taxable income.