Using your HSA with DPC
Great news! With the recent passage of the HR 1 bill in Congress, starting in 2026, you’ll finally be able to use funds in your Health Savings Account (HSA) to pay for Direct Primary Care (DPC) memberships.
There is a limit of $150 per month (anything above $150/month has to come out of your pocket), but that’s certainly better than zero—and it’s a strong step in the right direction. More importantly, it signals that congress recognizes the value of the DPC model and is working to give Americans greater autonomy in how they access and pay for their healthcare.
Regardless of your politics, this is a win! It reduces restrictions on how you can use your employment benefit dollars and expands your ability to invest in personalized, proactive care.
What if I don’t have an HSA?
This open enrollment season (~ Winter 2025), see if your employer offers a high-deductible health plan (HDHP) that is coupled with an HSA. Together, these are a mighty duo to tackle your healthcare needs!
One caveat: this legislation does not yet apply to Flexible Spending Accounts (FSAs). You still probably cannot use FSA funds to pay for DPC membership fees. FSAs are mostly managed by your employer, so that’s a conversation to have with your HR representative. But keep an eye out—future legislation may expand these benefits further.
Important Disclaimer:
We are not tax professionals or legal advisors, so please consult your own suite of professionals to determine whether and how HSA funds may be used for your DPC membership in your specific situation.
