HSA Funds for Direct Primary Care: 5 Things Families Should Know in 2025
Healthcare decisions can feel overwhelming, especially when navigating the complex world of insurance, HSAs, and finding the right care for your family. We're here to help you understand an exciting development that's about to make healthcare more accessible and affordable for Coralville families. A groundbreaking change in federal law is opening new doors for using your Health Savings Account funds in ways that could transform how you and your loved ones experience primary care.
1. A New Law Takes Effect January 2026
President Trump signed the One Big Beautiful Bill Act (H.R. 1) on July 4, 2025, creating a significant shift in how you can use your HSA dollars. Starting January 1, 2026, you'll be able to use your Health Savings Account funds to pay for Direct Primary Care membership fees completely tax-free and penalty-free.
This represents more than just a policy change—it's a recognition that families deserve better access to personalized, relationship-based healthcare. For years, many Coralville families have wanted to experience the benefits of Direct Primary Care but felt constrained by HSA regulations. We believe this new law removes those barriers and opens up a world of healthcare possibilities that puts you and your family first.
2. Clear Guidelines Keep Your Family Protected
The new legislation establishes straightforward monthly fee limits that ensure you can plan your healthcare budget with confidence. Individual Direct Primary Care coverage cannot exceed $150 per month, while family arrangements are capped at $300 per month. These limits will be adjusted annually for inflation, so you never have to worry about your benefits losing value over time.
We understand that budgeting for your family's healthcare needs requires transparency and predictability. These federal guidelines provide exactly that—clear boundaries that help you make informed decisions about investing in your family's health. When you're exploring Direct Primary Care options, you can feel confident knowing that any qualifying arrangement will fall within these reasonable, federally-established limits.
3. Your HSA Contributions Stay Protected
Here's where this change becomes truly revolutionary for your family's financial health planning. Previously, participating in Direct Primary Care would disqualify you from contributing to your HSA because these arrangements were considered health plans under federal regulations. The new law specifically states that Direct Primary Care service arrangements shall not be considered a health plan for HSA purposes.
This means you can now have it all—maintain your high-deductible health plan, continue making those valuable HSA contributions, and simultaneously enjoy the personalized care that comes with Direct Primary Care. We believe healthcare shouldn't force you to choose between financial benefits and quality care. This law ensures you can pursue both, creating a comprehensive approach to your family's health and financial well-being.
4. Comprehensive Primary Care That Fits Your Life
When you use your HSA funds for qualifying Direct Primary Care arrangements, you're investing in comprehensive primary care services that work around your family's schedule and needs. These arrangements provide access to primary care practitioners who offer fixed, periodic fees and focus on building real relationships with you and your children.
Your HSA dollars will cover unlimited routine office visits with no copays, preventive screenings that catch potential issues early, vaccinations that keep your family protected, basic laboratory services, and scheduling that actually works for busy families—often same-day or next-business day appointments with longer visit times. We're here to partner with you in creating a healthcare experience that feels personal, unhurried, and focused on what matters most to your family's wellness.
It's important to understand that these arrangements focus specifically on primary care services. While they provide comprehensive coverage for your everyday health needs, they don't include specialized services like general anesthesia, prescription drugs (except vaccines), or complex laboratory work that typically requires specialist facilities.
5. Prevention-First Care That Saves Money and Improves Health
We believe the best healthcare is care that prevents problems before they start, and Direct Primary Care arrangements excel at this approach. When you use your HSA funds for DPC membership, you're investing in a healthcare model that emphasizes preventive care over reactive treatment—an approach that aligns perfectly with the tax-advantaged nature of your Health Savings Account.
With smaller patient panels, your Direct Primary Care provider can spend meaningful time with each family member, creating personalized wellness plans and identifying health risks before they become serious problems. This proactive approach helps your family avoid emergency medical situations and reduces long-term healthcare expenses while using pre-tax dollars from your HSA.
The combination of tax savings and prevention-focused care creates a powerful investment in your family's future. Instead of waiting until someone gets sick and facing high medical bills, you're using tax-free dollars to maintain wellness, catch issues early, and build lasting relationships with healthcare providers who truly know your family's unique needs and health history.
Getting Ready for 2026: What Coralville Families Should Do Now
As we approach this exciting change, there are steps you can take now to prepare your family for these new opportunities. Start by reviewing your current HSA balance and contribution plans—understanding how much you'll have available for Direct Primary Care memberships helps you budget effectively for comprehensive family healthcare.
If you're not currently maximizing your HSA contributions, consider increasing them before the end of 2025. The more you can contribute now, the more tax-free dollars you'll have available for Direct Primary Care arrangements starting in January 2026. We encourage you to speak with your financial advisor or benefits administrator about optimizing your HSA strategy.
Begin researching Direct Primary Care providers in the Coralville area to understand what services and approaches align best with your family's needs. Not all DPC practices are the same—some focus more on chronic disease management, others emphasize pediatric care, and some excel at integrative wellness approaches. Taking time now to understand your options means you'll be ready to make an informed decision when January arrives.
Experience Healthcare the Way It Should Be
This legislative change represents more than just new payment options—it's an opportunity for your family to experience healthcare that's truly centered around your needs, schedule, and goals. We believe every family deserves access to care that's personal, accessible, and focused on keeping you healthy rather than just treating illness.
The combination of HSA tax advantages and Direct Primary Care's relationship-based model creates an approach to healthcare that makes both financial and medical sense. You're investing tax-free dollars in prevention, building relationships with providers who know your family, and creating a healthcare foundation that supports long-term wellness.
If you're ready to explore how Direct Primary Care might benefit your family, we're here to help you connect with the right resources and information. At Prairie Rose Family Medicine, we understand that choosing healthcare for your family is one of your most important decisions, and we're committed to helping you navigate these exciting new possibilities with confidence and clarity.
Let us help you discover how this groundbreaking change in HSA regulations could transform your family's healthcare experience. We're here to answer your questions, explain your options, and support you in making the healthcare choices that work best for your unique situation. Contact us today to learn more about how Direct Primary Care and HSA benefits can work together for your family's health and financial wellness.
