How Reno–Tahoe Employers Can Pair HDHPs with Direct Primary Care—HSA‑Safe in 2026

What’s changing

A new federal rule starts January 1, 2026. It lets employers offer Direct Primary Care (DPC) with High‑Deductible Health Plans (HDHPs). Employees can still use Health Savings Accounts (HSAs). When the plan follows the federal rules, workers can pay the DPC fee with HSA dollars.

What this means for your company

• You can add DPC as a health benefit and keep your HDHP + HSA plan.

• Employees can pay the DPC fee from their HSA (within federal limits).

• You get a simple, clear benefit that helps people get care fast.

What employees get at Preferred Family Medicine

• Unlimited primary‑care visits in person or by video

• Fast access for urgent needs (same‑ or next‑day when possible)

• Preventive care and help with long‑term problems like high blood pressure and diabetes

• Care navigation and referrals to specialists when needed

• Common office procedures that do not need general anesthesia

• Vaccine administration (vaccine product may be billed at cost)

What is not included (to stay HSA‑friendly)

• Most prescription drugs (except vaccines)

• Send‑out labs and imaging

  **These services are billed separately, often at simple cash prices.

Why employers in Reno–Tahoe choose DPC

• Less time away from work: quick visits, easy messaging, and proactive care

• Clear costs: a predictable monthly price, built to work with your HDHP

• Happier teams: a closer relationship with a primary‑care doctor

How to get started

1. Send us your employee count (census).
2. We’ll send a custom quote based on headcount (we don’t post public rates).
3. Update plan documents and share the benefit with your team.
4. Go live on January 1, 2026.

Want a simple, HSA‑friendly primary‑care benefit for your team? Ask PFM for a custom employer quote today.