Maybe not. Some alternative care arrangements—like Direct Primary Care (DPC) and health care sharing ministries—can affect your eligibility to contribute to an HSA.
đź©ş Direct Primary Care (DPC):
DPC typically involves paying a monthly membership fee directly to a physician for unlimited access to routine care.
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The IRS may view this as disqualifying coverage if it provides medical benefits before the deductible is met.
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If your DPC arrangement is considered insurance-like, you may not be eligible to contribute to an HSA.
However, if the DPC is limited to preventive care or consultation-only services, it might not disqualify you.
🤝 Health Sharing Ministries:
These are not insurance, but if they pay for medical services, they can still be seen as disqualifying coverage under IRS rules.
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Participating in a sharing ministry may make you ineligible to contribute to an HSA
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You can still use existing HSA funds, but new contributions may be disallowed
🧠Tip:
Check with a tax advisor or benefits expert if you’re using alternative healthcare arrangements. HSA eligibility rules are strict and subject to IRS interpretation.