New Law Lets You Use HSA Dollars for Direct Primary Care — What It Means for Patients & Employers
A game-changing moment is coming to primary care. Starting in 2026, new federal legislation will allow people to use Health Savings Account (HSA) funds to pay for Direct Primary Care (DPC) memberships and certain out-of-pocket costs. This change opens up opportunities for patients, families, and especially employers looking to provide more accessible healthcare options.
What’s Changing & Why It Matters
Under H.R. 1 / Public Law 119-21, DPC arrangements will be recognized as qualified medical expenses. That means HSA contributions can legally be used toward DPC membership fees, lab work, and other routine primary care services.
This eliminates one of the biggest barriers that has kept many patients and employers from pairing DPC with high-deductible health plans (HDHPs) and HSAs.
Key highlights include:
- DPC fees are HSA-eligible (up to $150/month individual or $300/month family, indexed over time).
- DPC + HDHP integration means membership fees can now count toward deductible and out-of-pocket maximums.
- Exclusions: Some services, like general anesthesia procedures or most prescription drugs, remain outside the DPC/HSA scope.
Why This Is a Win for Patients & Families
- First-dollar access to care — No need to satisfy a deductible before seeing your primary care provider.
- Predictable costs — DPC’s flat membership model + HSA funds make healthcare more budgetable.
- Stronger prevention & chronic care — More time with your provider means earlier interventions and healthier outcomes.
- Greater accessibility — Removing the HSA conflict opens DPC to more patients who previously had to choose between better access or tax savings.
What It Means for Employers
At Aslan Health, we’ve seen firsthand how employers struggle to balance affordability and access when it comes to employee health benefits. This legislation makes it easier to integrate DPC into both small and large employer strategies:
For Small Employers Without a Group Plan
- Many small businesses want to support their employees but can’t afford the cost of traditional group insurance.
- With Aslan’s DPC memberships, small employers can now offer their team affordable access to primary care using HSA dollars.
- This gives employees a meaningful benefit—unlimited primary care, same-day/next-day appointments, and preventive care—at a fraction of the cost of full insurance.
- The result: a practical, budget-friendly way to attract and retain talent in a competitive labor market.
For Larger Employers With High-Deductible Plans
- Many larger employers already offer group coverage, but high deductibles often discourage employees from seeking care.
- Pairing an Aslan DPC membership with an HSA/HDHP plan removes that barrier: employees can use HSA funds for DPC membership and still have insurance protection for hospitalizations, surgeries, and specialty care.
- This model keeps day-to-day healthcare affordable and accessible, while the HDHP provides financial safety for major medical needs.
- The result: healthier employees, fewer high-cost claims, and a stronger return on healthcare investment.
How Aslan Health Is Preparing
As this new legislation takes effect, we are:
- Reviewing our membership tiers to ensure compliance with fee caps and HSA eligibility.
- Creating easy-to-use documentation for patients to submit DPC membership as an HSA-qualified expense.
- Helping small businesses design affordable “healthcare starter packages” for employees without a group plan.
- Working with larger employers to integrate Aslan DPC into existing HDHP + HSA offerings.
- Offering employer education sessions, FAQs, and support so businesses can roll out these options smoothly.
Final Thoughts
This new law is more than a regulatory update—it’s an opportunity to reshape how healthcare works for our community. For employees, it means better access to care. For employers, it means an affordable and sustainable way to invest in workforce health. And for Aslan Health, it’s another step toward our mission of affordable, whole-person, faith-based care for all.
👉 Whether you’re a small business owner looking for a way to care for your team, or a larger employer exploring cost-effective health solutions, Aslan Health can help you build a model that works.