Telehealth delivers care by phone or video and is now a standard plan feature. A federal safe harbor lets HSA-qualified plans cover telehealth before the deductible, a provision Congress has extended.
Yes, and it’s now permanent. Federal law lets an HDHP cover telehealth and other remote care before you meet the deductible without losing HSA eligibility. The temporary pandemic rule was made permanent by the One Big Beautiful Bill.
After spiking during the pandemic, telehealth has settled at a small but durable share of medical claims, well above its pre-pandemic level, with behavioral health now its largest use. Under the One Big Beautiful Bill, HDHPs can permanently cover telehealth before the deductible without breaking HSA eligibility.