Big News: HSA Funds Can Soon Be Used for Direct Primary Care

At Sagewood Primary Care, we’re committed to making healthcare simple, affordable, and accessible for families in Celina and beyond. That’s why we’re excited to share an important update that impacts many of our patients—especially those who rely on Health Savings Accounts (HSAs) to manage healthcare costs.

What Changed?

In 2025, Congress passed new legislation that allows Health Savings Account (HSA) funds to be used for Direct Primary Care (DPC) membership fees starting January 1, 2026. This is a huge step forward for people who value personalized, relationship-based care without the hassles of traditional insurance.

Until now, HSAs could only be used for certain medical expenses like prescriptions, lab work, or procedures. Membership fees for DPC practices like Sagewood were not eligible—and enrolling in a DPC program could even disqualify someone from contributing to their HSA. That will soon change.

The New Rules for HSA + DPC

Here’s what the law allows starting in 2026:

• HSA-eligible for DPC memberships – You can pay your monthly Sagewood membership fee directly from your HSA.
• Spending caps apply – DPC fees are covered up to $150 per month for individuals or $300 per month for families (adjusted for inflation in future years).
• Core primary care only – The law defines what qualifies as “primary care services.” This includes preventive visits, routine care, and ongoing management of chronic conditions.
• What’s not included – Services outside the scope of primary care (such as procedures requiring general anesthesia, most prescription medications, and certain lab tests) remain excluded from HSA eligibility.

Sagewood Pricing Fits Right In

At Sagewood Primary Care, our membership model is designed to provide exceptional care at a price that stays well within the new HSA guidelines:

• $80 per month – Individual membership
• $150 per month – Couple membership
• +$25 per month – Each additional child

This means that every Sagewood membership option qualifies for HSA payment under the new law. Families will be able to use their HSA dollars to cover Sagewood care while staying comfortably under the federal limits.

Why This Matters

For many families in our community, HSAs are a smart way to plan for healthcare expenses. By allowing HSA dollars to be used for DPC, Congress has:

• Lowered the barrier to entry – Making membership-based primary care more affordable.
• Increased flexibility – Patients won’t have to choose between saving in an HSA and enrolling in DPC.
• Expanded choice – Families now have more control over where and how they receive primary care.

What This Means for Sagewood Patients

• Before 2026: HSA funds can’t be used for membership fees, but they can still cover out-of-pocket expenses like labs, medications, or procedures billed separately.
• Starting January 1, 2026: Your Sagewood membership fee—whether individual, couple, or family—can be paid directly from your HSA.

This change makes it even easier to enjoy the whole-life, personalized care we provide at Sagewood—care designed to keep you and your family healthy, thriving, and supported.

Our Commitment

We’ll continue to keep our patients informed about how federal policy impacts your healthcare options. And as always, our focus is on delivering luxury-level, science-driven care that feels personal, accessible, and stress-free.

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Questions about how this change affects your family? Reach out to our team—we’re here to help you navigate your options and make the most of your healthcare dollars.