Starting Jan. 1, new federal guidance and legislation will make it easier for people to choose direct health care options that focus on relationships, access and predictable costs.
Your health matters. How you access care and how much you pay for it matters too. You deserve solutions that work for your individual circumstance and now you've got more options.Starting Jan. 1, new federal guidance and legislation will make it easier for people to choose direct health care options that focus on relationships, access and predictable costs.
For patients and employers who have been curious about direct primary care, or DPC, these changes make it much easier to get the care you need.Often referred to as the One Big Beautiful Bill, the legislation helps expand access to direct healthcare providers and clarifies how these services can work alongside traditional insurance. The goal is simple: give people more flexible, affordable ways to get care.Here's what that means and why it matters.What is direct primary care?As HealthInsurance.org explains, direct primary care, or DPC, is a health care model where patients pay a monthly membership fee for access to primary care services. Instead of being billed per visit, the fee covers care as you need it.DPC benefits patients by providing substantial savings and a greater degree of access to, and time with, physicians.–American Academy of Family Physicians That monthly cost typically includes office visits, preventive care, chronic disease management and basic urgent care. There are no surprise bills after the fact.But that's not the only benefit.According to the American Academy of Family Physicians, "DPC benefits patients by providing substantial savings and a greater degree of access to, and time with, physicians."The Internal Revenue Service has emphasized that DPC is not a health insurance plan. Instead, it's meant to work alongside insurance, especially high-deductible health plans. Put simply, DPC covers most routine care, while insurance helps pay for major medical costs like hospital stays or emergencies.What's changing in 2026?For years, one of the biggest questions around DPC involved Health Savings Accounts, or HSAs. Many people with high-deductible plans worried that joining a DPC practice would make them ineligible to contribute to an HSA.New federal guidance is clearing that up.Starting Jan. 1, people will be allowed to use HSA funds to pay for direct primary care memberships. Those payments will also count toward deductibles and out-of-pocket maximums.For patients, this change means DPC is no longer an either-or choice. It can now work alongside the coverage you already
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