Direct primary care is a flat monthly membership paid to a primary care practice for routine and preventive visits, outside of insurance. It is usually paired with a high-deductible plan for specialist and hospital care, and recent federal rules clarify how it works alongside an HSA.
Yes, as of January 1, 2026. A new law lets someone enrolled in a qualifying direct primary care arrangement still contribute to an HSA and pay the DPC fee from it tax-free. The fee must be capped at $150/month for one person ($300 for a family).
Direct primary care is a membership model where a patient (or employer) pays a flat monthly fee for unlimited primary care, instead of billing insurance per visit. Employers can offer it alongside a health plan to improve access and control costs.