Starting in January 2026, you’ll be able to use your Health Savings Account (HSA) to pay for a DPC membership—removing a long-standing barrier for individuals and businesses alike.

Until now, people with HSAs couldn’t legally use them to pay for DPC memberships. That meant many Americans had to choose between saving with an HSA or receiving more personalized primary care through the DPC model. This change finally fixes that problem.

With over 61 million Americans currently enrolled in HSA-eligible health plans, this shift opens the door to better care for a huge portion of the population. It also creates new options for employers looking to improve healthcare access and reduce costs.

This legislation brings several important changes for individuals and businesses:

Pay for a Personal Doctor Using Your HSA

Beginning January 2026, you can use your HSA to cover a Direct Primary Care membership—up to $150/month for an individual—with zero IRS penalties and full HSA eligibility. That means you can finally spend tax-free dollars on a doctor you can reach anytime.

Your Employer Can Fully Cover Your DPC Membership

No more waiting rooms or rushed appointments. Employers can now include DPC as a core benefit, even alongside a High Deductible Health Plan. You get the kind of primary care experience people actually want.

Your DPC Fee Helps You Hit Your Deductible Faster

Every monthly DPC payment counts toward your HDHP deductible. You spend less out-of-pocket on the big stuff because your everyday care is already taken care of.

Skip the Copays and Surprise Medical Bills

DPC allows unlimited primary care with no copays, no billing games, and no guessing what’s “covered.” If you need help, you call or walk in—period.

More Companies Are Offering DPC Than Ever Before

Forward-thinking employers—including those influenced by Boeing and Amazon—have pushed for this change so employees get faster, more preventive care. Now it’s available to businesses of all sizes…including yours.

It’s Not Insurance—It’s Better Daily Care

Congress and the IRS now officially recognize DPC as a direct relationship with your doctor, not insurance paperwork. You get same-day access, longer appointments, and someone who actually knows your medical history—not a rotating provider at a clinic.