If you have an HSA (Health Savings Account), we have some genuinely good news: you can now use those dollars to help pay for your Direct Primary Care membership.
Thanks to new legislation, you can use up to $150/month of your HSA funds toward individual DPC membership, or $300/month for families. And having a DPC plan won’t disqualify you from contributing to your HSA anymore.
Let’s talk about what this actually means for you.
What Changed with HSA and Direct Primary Care in 2026?
Previously, paying for Direct Primary Care with HSA funds was complicated, and having a DPC arrangement could disqualify you from HSA contributions altogether. The new legislation removes these barriers.
Now, fixed monthly fees for primary care services are recognized as qualified medical expenses. This means you can use your HSA card to pay for a portion of your DPC membership, making integrative, root-cause healthcare more accessible than ever.
Using Your HSA for Individual DPC Membership
If you’re an individual member, you can use up to $150 per month from your HSA toward your Direct Primary Care membership.
Here’s what that looks like in practice: Let’s say your monthly DPC membership is $185. You can pay $150 of that with your HSA card (pre-tax dollars you’ve already set aside for healthcare), and the remaining $35 out-of-pocket.
This makes comprehensive, personalized care—the kind where your doctor actually has time to listen, investigate root causes, and create individualized treatment plans—significantly more affordable.
How HSA Works for Family DPC Plans
Family coverage follows the same principle but with higher limits. You can use up to $300 per month from your HSA toward family DPC membership.
The exact amount you can apply depends on your family composition and our membership structure. Because we calculate family memberships based on the number of members and whether they’re adults or children, the benefit may vary.
We’re happy to walk you through the specifics during a consultation so you understand exactly how your HSA funds can be applied to your family’s membership.
Why HSA Eligibility for DPC Matters
For years, our patients have chosen Direct Primary Care because they wanted something different from the rushed, symptom-focused appointments that conventional insurance-based medicine offers.
They wanted doctors who take time to understand their whole health story, who look for root causes rather than just prescribing medications, and who integrate evidence-based approaches from multiple healing traditions.
But paying for that level of care entirely out-of-pocket has been a barrier for many families.
Now, with HSA eligibility, that personalized, holistic approach to healthcare is more within reach. You’re not choosing between quality care and financial wellness—you can have both.
How to Pay for DPC with Your HSA
It’s simple:
Check your HSA. See what you’ve got in there. If you’re not maxing out your contributions and this would help, maybe bump them up.
Pay with your HSA card. Let us know, and we’ll help add the card to your account.
Save your receipts. DPC is a qualified expense now, but keep your membership documentation just in case.
Questions? Every family’s situation is different. Call us at 512-814-0148 and we’ll walk you through how this works for you specifically.