2026 Marks a Significant Change in HSA-Eligible Expenses and How Families Budget for Healthcare
Health Savings Accounts (HSAs) are one of the most popular tools for managing healthcare costs. They allow people to save tax‑free funds and use them for approved medical needs. For many individuals and families, HSAs offer flexibility, long‑term savings, and a smarter way to pay for care.
As more people explore direct primary care (DPC) as part of their healthcare strategy, a common question comes up: “Can you use your HSA to pay for DPC?”
Previously, DPC memberships didn’t qualify as an HSA-qualified medical expense because the IRS classified them as insurance premiums. However, with recent federal legislation, the rules have changed.
After providing an overview of how HSAs work, we’ll take a closer look at how the new legislation makes getting direct primary care more convenient and cost-effective.
Understanding How HSAs Work
An HSA is a tax‑advantaged savings account available to people who are enrolled in a high‑deductible health plan (HDHP). You can contribute money to your HSA throughout the year, and those funds can be used for HSA-eligible expenses such as doctor visits, lab work, prescriptions, and other approved medical services.
HSAs offer three core benefits:
- Contributions are tax‑free.
- Growth in the account is tax‑free.
- Withdrawals for HSA-eligible items are also tax‑free.
This makes HSAs especially valuable for people who want more control over their healthcare spending. They also work well for families who want to manage costs more predictably, especially when paired with family health insurance plans that include higher deductibles.
Are Direct Primary Care Payments HSA Eligible?
Direct primary care is a membership‑based model where patients pay a monthly fee for unlimited access to their primary care provider. As of January 1, 2026, DPC memberships count as an HSA-qualified medical expense.
No special authorization or approval is required. The only caveat is you must stay within the monthly limit, which is $150 for individuals and $300 for families.
For reference, ProPartners individual membership fees range from $35 to $115, depending on your age bracket. Our family memberships are capped at $220 per month, no matter how many family members live in your household. This means you never have to worry about going over the approved monthly limit.
Ready to learn more? Contact ProPartners to inquire about membership and how to sign up.
Why Using HSA for Direct Primary Care Makes Sense
Using your HSA to pay for DPC membership gives you a reliable and cost-effective way to manage both everyday care and larger medical expenses. Here are the main things to know.
- DPC provides unlimited access to your primary care provider for a predictable monthly fee.
- HSAs help you save tax‑free money for HSA-qualified medical expenses, such as your ProPartners DPC membership and any medical service our practice provides, including in-office procedures, labs and imaging, and hormone therapy.
- DPC reduces the need for urgent care or emergency room visits, which helps preserve your HSA funds for more important needs.
This combination gives you more control over your healthcare spending while ensuring you always have access to high‑quality primary care that helps you feel better, look better, and live longer.
What Members Love About the ProPartners Approach to Healthcare
Most families piecemeal their medical care through a series of general practitioners, pediatricians, specialists, and urgent care centers, which often leads to inconsistent care. With most healthcare facilities operating on a volume-based model, you have have noticed that:
- It’s difficult to get an appointment with your doctor.
- Your time in the exam room is limited to just a few minutes.
- You end up having to make a follow-up appointment because your medical issue wasn’t fully resolved.
ProPartners physicians maintain a limited client roster so that we’re available when our patients need us, and we can take all the time we need in the exam room to fully explore your concerns. ProPartners members:
- Have a dedicated doctor for preventative care, acute care, and chronic condition management.
- Can directly contact their physician 24/7 by phone, text, or email.
- Have access to same-day and next-day appointments, conducted in person at our practice or virtually.
- Can spend up to an hour in the exam room with their doctor.
- Don’t have to worry about copays or coinsurance.
Whether you have an individual or family health insurance plan, ProPartners offers a better, more convenient way to manage your healthcare needs. And now that DPC memberships are an HSA-qualified medical expense, you can stretch your HSA dollars even further than before.
How To Get Started With ProPartners
Using your HSA to pay for direct primary care is a smart way to manage your healthcare costs while gaining better access to your provider.
Getting started is simple. You can schedule a consultation, review membership options, and learn how ProPartners helps you make the most of your HSA. Our team will walk you through the process and help you understand how DPC fits into your overall healthcare plan.
Contact ProPartners to learn how a membership puts you on track to looking better, feeling better, and living longer.
