Direct Primary Care (DPC) covers your everyday health needs, but it can also be paired with other options to protect you from the unexpected. By combining your DPC membership with either a high-deductible health plan or a health sharing program, you get the best of both worlds — unlimited access to your doctor for routine and preventive care, plus financial protection for hospitalizations, emergencies, and major medical events. This approach keeps costs low while ensuring you’re fully covered when it matters most.
To qualify for a Health Savings Account (HSA), you need to be enrolled in a high deductible health insurance plan (HDHP). These plans have lower monthly premiums but higher deductibles, meaning you pay more out-of-pocket before insurance kicks in. Most people choose these plans to save on premiums and gain access to HSA benefits. Tip: Make sure your health plan is labeled “HSA-eligible” — not all high-deductible plans qualify.
Once you’re enrolled in an HDHP, you can start contributing to an HSA. The money you put in is tax-free — meaning you don’’t pay income tax on those dollars. For 2025, you can contribute up to: $4,300 for individuals $8,550 for families Plus an extra $1,000 if you're age 55 or older These funds grow tax-free and can be withdrawn tax-free when used for qualified medical expenses — including DPC (starting in 2026).
Pay for your DPC membership using your personal account. Then, use your HSA to reimburse yourself up to $150/month (or $300 for families). Just keep a copy of your invoice and payment receipt. You can log into your HSA account and transfer the reimbursable amount directly back to your bank account.
Take these 3 easy steps to save on taxes while getting unlimited access to personalized care.
Enroll in a DPC membership to get unlimited access to your doctor for routine visits, preventive care, and ongoing health management—all for a flat monthly fee.
Select a health sharing community that fits your needs. These plans pool resources from members to cover larger, unexpected medical expenses like hospitalizations, surgeries, or emergencies.
See your DPC physician whenever you need care—office visits, urgent concerns, chronic condition management—without worrying about copays or insurance claims.
If a major health event happens, you submit the bills to your health sharing plan, which helps cover those costs while your DPC doctor continues to manage your care.
A health sharing plan pairs perfectly with Direct Primary Care by covering major medical expenses while your DPC membership handles everyday care.