After spiking during the pandemic, telehealth has settled at around 5% of medical claims, roughly 10–15 times 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.
Telehealth
Telehealth provides virtual care, with specific rules for HSA-qualified plans. These FAQs explain telehealth coverage and the HSA safe harbor.