08/07/2025
Thank you Cragin & Pike for allowing me to share in the exciting news for DPC and HSA’s !!
💥 Effective January 1, 2026, new federal legislation allows individuals to combine Health Savings Accounts (HSAs) with Direct Primary Care (DPC) memberships. 💥
Here's a breakdown of the key changes:
👍HSA-Eligible DPC Membership Fees: Individuals can now use HSA funds to pay for qualifying DPC membership fees.
👍No Disqualification from HSA Contribution: Having a DPC arrangement will no longer prevent someone from contributing to an HSA.
Membership Fee Limits: This applies to DPC arrangements with monthly fees up to $150 for individual coverage and $300 for family coverage.
👍Expanded HSA Eligibility: The legislation also clarifies that Bronze and Catastrophic Affordable Care Act (ACA) plans, which were previously excluded, will now qualify as HSA-compatible High Deductible Health Plans (HDHPs).
👍Qualified Services: The change covers most primary care services within DPC, including consultations, preventive care, routine labs, and in-office procedures.
Excluded Services: Services requiring general anesthesia, most prescription drugs (other than vaccinations), and certain off-site laboratory services are excluded.
👍Permanent Pre-Deductible Coverage for Telehealth: The legislation establishes permanent pre-deductible coverage for telehealth services under HDHPs paired with HSAs.