You can redeem your HSA funds to fund your Prime Care VIP membership*
With Prime Care VIP, members get more than coverage — they get care.
Your membership delivers unlimited, relationship-based primary care that’s now eligible for HSA and FSA funding under the latest federal law. It’s healthcare that’s proactive, personal, and tax-efficient — designed to keep you healthy, not waiting.
How It Works:
Members pay a predictable monthly fee for unlimited primary care — no surprise bills, no insurance middlemen, and no deductibles to meet. You can use your HSA or FSA funds to pay for your membership (within IRS limits), turning tax-free dollars into real, everyday health value.
- HSA/FSA Eligible Starting January 1, 2026
- Comprehensive Care for One Monthly Fee
- No Hidden Costs, No Insurance Hassles
- Unlimited Access to Your Doctor
- Tax-Smart and Patient-Centered
**HSA or medical FSA, where allowed and within IRS limits.
Starting January 1, 2026*, you can redeem your HSA funds (or medical FSA, where allowed) to fund your Prime Care VIP membership (within IRS limits)
With Prime Care VIP, members get more than coverage — they get care.
Your membership delivers unlimited, relationship-based primary care that’s now eligible for HSA and FSA funding under the latest federal law. It’s healthcare that’s proactive, personal, and tax-efficient — designed to keep you healthy, not waiting.
How It Works:
Members pay a predictable monthly fee for unlimited primary care — no surprise bills, no insurance middlemen, and no deductibles to meet. You can use your HSA or FSA funds to pay for your membership (within IRS limits), turning tax-free dollars into real, everyday health value.
- HSA/FSA Eligible Starting January 1, 2026
- Comprehensive Care for One Monthly Fee
- No Hidden Costs, No Insurance Hassles
- Unlimited Access to Your Doctor
- Tax-Smart and Patient-Centered
Why This Matters. What Changed?
Thanks to recent changes in federal tax law under the One Big Beautiful Bill, your HSA (and in some cases, medical FSA) funds can now do more for you.
Here’s what’s new:
- You can use HSA dollars to pay for Direct Primary Care (DPC) membership fees (up to IRS limits).
- Enrolling in a qualifying DPC service no longer disqualifies you from contributing to an HSA.
- Telehealth visits (even before meeting your deductible) can be covered without jeopardizing your HSA eligibility.
- Bronze & Catastrophic plans on the ACA marketplace will count as HDHPs (i.e., eligible for HSAs) beginning January 1, 2026.
These changes unlock significant flexibility, letting you finally use your tax-advantaged healthcare dollars for accessible, proactive, patient-centered primary care.
How It Works
Check your HSA / FSA eligibility
Confirm that your HSA plan allows reimbursement or use for DPC membership.
Enroll in Prime Care VIP membership
Choose the plan level that fits your needs (individual, family, etc.).
Submit membership fee payment
Pay with your HSA card (if supported) or upfront for reimbursement—we’ll provide IRS-compliant receipts proving it’s for qualified medical care.
Start receiving care
Unlimited primary care, telehealth, labs, ongoing preventive services, etc.
Keep records for tax / audit purposes
Save membership receipts, invoices, proof of services, etc. Use our documentation if ever requested by your HSA administrator or IRS.
How It Works
Check your HSA / FSA eligibility
Confirm that your HSA plan allows reimbursement or use for DPC membership. Ask about the monthly DPC limit (currently ≤ $150 individual / ≤ $300 family).
(You can provide a downloadable eligibility checklist or an FAQ to help people check with their HSA admin.)Enroll in Prime Care VIP membership
Choose the plan level that fits your needs (individual, family, etc.).Submit membership fee payment from your HSA/FSA
Use your HSA debit card (if supported)
Or pay upfront and request reimbursement
We provide IRS-compliant documentation / receipts showing that the membership is for qualified medical care
Start receiving care
Unlimited primary care, telehealth, labs, ongoing preventive services, etc.
Keep records for tax / audit purposes
Save membership receipts, invoices, proof of services, etc. Use our documentation if ever requested by your HSA administrator or IRS.
Why Prime Care Health
- Maximize your tax-advantaged health dollars
- Predictable membership, no surprise bills
- Comprehensive primary care included
- Access, convenience, and responsiveness
- Better outcomes, lower downstream costs
- Risk mitigation for HSAs
- Flexible for families / dependents
- Ease of billing & compliance
Frequently Asked Questions
Can I use all of my HSA funds to pay membership?
Only up to the IRS-defined DPC limits (currently $150 / $300). If your membership is above that, you’ll pay the remainder out-of-pocket.
Does using HSA for DPC membership disqualify me from contributing to the HSA?
No — under the new law, DPC enrollment (if properly structured) does not disqualify you from ongoing HSA contributions.
Will my HSA administrator approve it?
Each HSA custodian may have internal rules. We provide qualifying receipts and documentation to support your reimbursement or use.
Can I retroactively apply this to past months?
Probably not. The law’s effective date is January 1, 2026 (for many provisions). Always check with your HSA provider.
Can I pay via FSA?
In limited cases where your FSA allows “qualified medical expenses” broadly, you might be able to. But many medical FSAs don’t include DPC membership fees — check your plan details.
What happens if I change my HSA plan or lose eligibility?
Continue to retain your membership — but for future payments, you’ll need to use non-HSA funds if your HSA is no longer usable.
Will the monthly DPC limit increase?
Yes, the $150 / $300 caps are indexed to inflation and may rise over time.
Important Note & Disclaimers
The ability to use HSA / FSA funds for a Prime Care VIP membership depends on your individual HSA plan rules, your HSA administrator, and whether the DPC membership structure meets IRS-qualified medical expense criteria.
The current federal law caps DPC membership reimbursements at $150/month for individuals and $300/month for families (subject to inflation adjustments).
This change becomes effective for eligible HSA plans beginning January 1, 2026.
FSA usage may be more limited — many medical FSAs are more restrictive about what qualifies; always check your FSA plan.
We are not providing tax or legal advice. Please consult your HSA administrator, FSA plan administrator, or tax advisor before proceeding.
Prime Care VIP’s services must remain within the “primary care / preventive / chronic care management” scope (i.e. no bundling non-primary care into the membership in ways that could jeopardize qualification).