HSA Concierge Medicine: New 2026 Law Lets You Pay with Pre-Tax Dollars
HSA concierge medicine is finally a reality. For years, one of the most frustrating barriers to membership-based primary care has been a confusing IRS rule: if you paid a monthly fee to a direct primary care practice, you could be disqualified from contributing to your Health Savings Account.
That changed on January 1, 2026.
Thanks to the One Big Beautiful Bill Act signed into law in July 2025, millions of Americans can now use their HSA funds to pay for direct primary care memberships—and continue contributing to their HSA at the same time. For patients who have been weighing the benefits of concierge medicine against the tax advantages of their HSA, this is significant news.
What Changed Under the New Law
Previously, the IRS treated direct primary care (DPC) arrangements as a form of health coverage. This meant that if you enrolled in a DPC practice while also having a high-deductible health plan (HDHP), you could lose your eligibility to contribute to an HSA.
The new legislation fixes this by clarifying that qualified DPC arrangements are not considered health plans for tax purposes. Instead, the monthly membership fees are now recognized as qualified medical expenses that can be paid directly from your HSA.
There are some requirements your DPC arrangement must meet to qualify under this new provision. The practice must offer only primary care services delivered by licensed primary care practitioners, and compensation must be structured as a fixed monthly fee. For 2026, the fee limits are $150 per month for individuals and $300 per month for family coverage. These limits will adjust annually for inflation.
Certain services are excluded from what qualifies as DPC under this law, including procedures requiring general anesthesia, most prescription drugs (vaccines are allowed), and laboratory services not typically performed in an outpatient primary care setting.
Why HSA Concierge Medicine Makes Financial Sense
The math here is compelling. When you pay for concierge medicine from your HSA, you’re using pre-tax dollars. That means your effective cost drops significantly depending on your tax bracket.
For example, if you’re in the 24% federal tax bracket and pay $225 per month for concierge medicine membership, using HSA funds effectively reduces your after-tax cost to around $171 per month. Over a year, that represents meaningful savings while still receiving the personalized, accessible care that drew you to concierge medicine in the first place.
This is on top of the value you’re already receiving from concierge medicine: 24/7 access to your physician, same-day or next-day appointments, extended 60-minute visits, and care that actually addresses root causes rather than just managing symptoms.
What This Means for Patients at Abiding Health
At Abiding Health Concierge Medicine, our membership pricing falls within the new HSA-eligible limits. Individual memberships start at $225 per month, and family coverage (which includes complimentary care for dependents ages 0-18) is $295 per month.
This means that patients who have been hesitating to join a concierge practice because of HSA concerns can now move forward with confidence. You can maintain your high-deductible health plan for major medical expenses and hospitalizations while using your HSA to cover your monthly concierge membership—all without losing your ability to contribute to your health savings account.
For patients already enrolled at Abiding Health, this may simplify how you budget for your membership. Rather than paying out of pocket, you can set up payments directly from your HSA, effectively reducing your costs by your marginal tax rate.
How to Take Advantage of This Change
If you’re interested in using your HSA for concierge medicine, here’s what you need to know.
First, confirm that your current health plan qualifies as a high-deductible health plan. For 2026, the minimum deductible is $1,700 for individual coverage and $3,400 for family coverage.
Second, verify with your HSA administrator that they’ve updated their qualified expense list to reflect the new DPC provisions. Most major HSA custodians are updating their systems, but it’s worth confirming.
Third, when you enroll in a concierge medicine practice, keep documentation of your membership agreement showing the monthly fee structure and the primary care services included. This can be helpful if questions arise during tax filing.
Finally, consult with your tax advisor about your specific situation. While this guidance applies broadly, individual circumstances can vary.
The Bigger Picture: HSA Concierge Medicine Opens Doors
This legislative change reflects a growing recognition that traditional healthcare models aren’t working for many Americans. Long wait times, rushed appointments, and fragmented care are driving patients to seek alternatives—and concierge medicine offers a fundamentally different approach.
By making HSA concierge medicine arrangements possible, the new law removes one of the primary financial barriers that kept this model out of reach for middle-class families. It acknowledges that paying a monthly fee for comprehensive, accessible primary care is a legitimate healthcare expense worthy of the same tax treatment as other medical costs.
At Abiding Health, Dr. Gabriel Dunn has built a practice around the belief that healthcare should be personal, unhurried, and focused on helping patients thrive—not just treating illness after it appears. The ability to pay for this level of care with pre-tax dollars makes that vision more attainable for more families in Grand Haven and West Michigan.
Ready to Learn More?
If you’ve been considering concierge medicine but had questions about how it would work with your HSA, this may be the right time to explore your options. Schedule a complimentary 30-minute consultation to learn whether Abiding Health is the right fit for your healthcare needs.
Your membership includes 24/7 direct access to Dr. Dunn, comprehensive executive-style physicals, priority scheduling with guaranteed appointments within 48 hours, and a proactive approach to healthspan management that keeps you healthier and stronger over the long term.
Visit abidinghealthmd.com or call 616-402-2595 to schedule your consultation today.
About Abiding Health Concierge Medicine
Abiding Health Concierge Medicine is a membership-based primary care practice in Grand Haven, Michigan, founded by Dr. Gabriel Dunn. With over 15 years of family medicine experience and a commitment to root-cause medicine, Dr. Dunn provides personalized, accessible healthcare that abides with patients through every season of life.