Starting January 2026: You Can Use Your HSA for Direct Primary Care Memberships

Federal healthcare policy is rarely clean, but the “One Big Beautiful Bill” (OBBB) is something else entirely.This legislation will deliver sweeping harm across the country: deep Medicaid cuts, rural hospital closures, and destabilization of safety nets that millions of people rely on. It is not a bill Seven Hills supports. It threatens the very communities we exist to care for.

And yet, buried inside this profoundly damaging legislation is one provision that does expand access—a change that matters for some families in our practice and deserves clear explanation.

That’s the purpose of this post.

What Changes on January 1, 2026

Beginning January 2026, the federal government will allow individuals to use Health Savings Account (HSA) funds to pay for Direct Primary Care (DPC) memberships as a qualified medical expense. This is a formal change in IRS policy and applies nationwide.

New Monthly Limits

Patients may use HSA funds for DPC membership fees up to:

• $150/month for an individual membership

• $300/month for a membership that covers more than one person

  
  

These limits apply whether you are enrolled at Seven Hills Family Medicine or another DPC practice.

What This Means for Seven Hills Members

If you currently have an HSA through your employer or an individual high-deductible health plan, you may choose to use your HSA funds to cover your membership starting in 2026. This may make budgeting for primary care simpler or more predictable for some families.

If you do not have an HSA, this rule does not affect your membership or how you pay your fees. Nothing changes for you.

This update also does not alter what is included in a Seven Hills membership. It simply adds another payment option for those who already use HSAs.

Who Might Benefit*

This change may help:

• individuals who already contribute to an HSA

• families who want to use pre-tax dollars for primary care

• patients who prefer predictable budgeting for healthcare costs

  
  

It does not require anyone to change how they pay or to open an HSA, and it will not affect your care in any way.

What This Does Not Fix

While this rule expands access for some, it does not mitigate the broader and deeply harmful consequences of the BBB. It does not restore Medicaid protections, preserve rural hospitals, or address the inequities the bill creates and deepens.

But when a policy change—however imperfect the package it arrives in—opens one more door to accessible, relationship-centered primary care, we believe our patients deserve to know about it.

Our Commitment

Seven Hills Family Medicine will continue to name harmful policy honestly while also giving our community clear, factual guidance about any changes that affect their healthcare access.

If you have questions about how this HSA change applies to your membership, we’re here to help clarify what we can.

*As always, this isn’t financial advice—tax and employment circumstances vary widely. For specific questions, consult your accountant or benefits administrator.