Healthcare2U: New Legislation Paves the Way for HSA-Compatible Direct Primary Care

New Federal Law Makes Direct Primary Care Memberships HSA Eligible in 2026

AUSTIN, Texas, Sept. 4, 2025 /PRNewswire/ -- In a landmark move for the health benefits landscape, H.R. 1 / Public Law 119-21 will allow Health Savings Account (HSA) contributions to be used for Direct Primary Care (DPC) memberships and related out-of-pocket costs beginning in 2026. For the first time, the IRS will recognize DPC memberships as qualified medical expenses, validating their role in cost containment and access to care. DPC prioritizes the physician–patient relationship, providing members with easier access to quality care while significantly reducing healthcare costs. DPC has been shown to reduce health spend up to 20 percent by carving out high-frequency primary and urgent care visits, removing these expenses from the claims stream altogether.

Employees can now use HSA funds to cover the full cost of their DPC membership, including out-of-pocket expenses like visit fees, labs, and more. This provides immediate first-dollar access to affordable, high-quality care without the need to meet a deductible, reducing financial stress and supporting better long-term health outcomes.

This legislation is especially significant for individuals with High-Deductible Health Plans (HDHPs). By pairing DPC with HSA-compatible HDHPs, employees gain a more streamlined and affordable way to access preventative and routine care, bridging the gap between cost and access while reducing long-term claims.

Employers can leverage HSA-compatible DPC to design more meaningful, cost-effective benefits plans that improve employee satisfaction and retention. By integrating DPC, organizations can reduce total healthcare spending while increasing the return on their benefits investment.

Brokers gain a differentiated solution that can be positioned as a claims-free, cost-containment solution that complements traditional benefits, helping expand business, strengthen retention, and deliver measurable value. Intermediaries will also find that DPC memberships provide a proven cost-containment solution for self-funded clients, enhancing underwriting outcomes, reducing pooled risk, and strengthening client relationships.

Healthcare2U's DPC memberships can be tailored to complement any benefits strategy, from traditional group health plans to innovative approaches to healthcare delivery, offering flexibility without complexity. Through strategic partnerships, DPC becomes a scalable building block for creative plan designs that both reduce spend and enhance care.

A few benefits Healthcare2U's DPC membership offers are:

• Unlimited in-office acute care and urgent care visits
• No-cost virtual and telephonic consultations
• An annual physical exam
• Unlimited outpatient diagnostic labs
• Early-stage chronic disease detection and management
• Access to a Patient Advocacy Line staffed with certified medical professionals.

This legislation takes effect January 1, 2026, and with decisions for January coverage already being made, now is the right moment to integrate DPC into planning and secure its place as a cost-containment solution for the future.

For more information on Healthcare2U's DPC programs and how they may fit your needs, please contact your dedicated sales representative or visit https://healthc2u.com/contact-us-healthcare2u/.

About Healthcare2U 

Healthcare2U is a membership-based, hybrid direct primary care (DPC) organization that ensures all members have nationwide access to affordable, consistent, and quality primary care through our proprietary Private Physician Network (PPN)™. Healthcare2U promotes healthy living by detecting, treating, and managing acute and chronic conditions before the onset of serious illness. Healthcare2U is headquartered in Austin, Texas, and is available nationwide. For more information, visit www.healthc2u.com. Follow us on Twitter at @Healthc2U and LinkedIn at Healthcare2U. 

SOURCE Healthcare2U, LLC