Tax Policy
08-10-2025
How Direct Primary Care Becomes HSA-Eligible in 2026 (Self-Funded Update)
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A Historic Win for Employee Health.
For over a decade, the IRS treated Direct Primary Care (DPC) memberships as "second class" citizens, often disqualifying employees from contributing to a Health Savings Account (HSA). Under the newly enacted provisions of the One Big Beautiful Bill Act, effective January 1, 2026, this friction is gone.
The New Rules for 2026
DPC is a Qualified Expense: Periodic fees for primary care (capped at $150/individual and $300/family per month) are now treated as qualified medical expenses.
HSA Compatibility: Employees can hold a High-Deductible Health Plan (HDHP) and a DPC membership simultaneously without tax penalties.
Maestro Automates Compliance.
HealCo’s Maestro OS is already updated for the 2026 tax year. It automatically tracks the $150/$300 caps and generates HSA-compliant receipts, ensuring your self-funded plan remains audit-proof.
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