HSA & primary care — every guide
Plain-English answers, each verified against the IRS source. Start with the 2026 pillar guide, then dig into the specifics.
Start here · 2026 Pillar Guide
Using Your HSA for Primary Care: The 2026 Guide
A plain-English guide to paying for primary care and direct primary care (DPC) memberships with your HSA under the 2026 rules — what changed, the dollar limits, and the fine print.
Can I Use My HSA for a Doctor's Membership, Concierge, or DPC?
Whether your HSA can pay for a membership-based doctor depends on what kind of membership it is. Here's the 2026 answer for DPC vs. concierge.
Common Employer Health Plans Explained (HMO, PPO, EPO, POS & HDHP)
A plain-English guide to the health plans employers offer — HMO, PPO, EPO, POS, and the high-deductible plan that unlocks an HSA. What each means and how to tell if yours is HSA-eligible.
Is a Direct Primary Care Fee HSA-Eligible?
As of January 1, 2026, a qualifying direct primary care fee is an HSA-qualified expense. Here are the exact conditions an arrangement has to meet.
HSA + Direct Primary Care: The 2026 Rules and Limits
The 2026 HSA-DPC rules in detail — effective date, the $150/$300 caps, annualized billing, the qualifying conditions, and the employer-pay exclusion.
Does a DPC Membership Disqualify My HSA Contributions?
It used to. As of 2026, a qualifying direct primary care arrangement no longer disqualifies you from contributing to your HSA. Here's the before and after.
HSA vs. Insurance for Primary Care: How They Fit Together
An HSA and a DPC membership aren't a replacement for insurance — they work alongside it. Here's how the pieces fit under the 2026 rules.
What Can You Pay For With Your HSA? (Including Primary Care in 2026)
A quick tour of what an HSA covers — the long-standing qualified expenses, plus the 2026 addition of direct primary care memberships.