Big Changes for 2026: HDHP + HSA + Direct Primary Care (DPC) at PFM

Starting January 1, 2026, it gets much easier for employers to pair a high-deductible health plan (HDHP) and a Health Savings Account (HSA) with Direct Primary Care (DPC) at Preferred Family Medicine.

What’s new?

• You can keep an HSA and have DPC.
  Employees can join PFM’s DPC and still use an HSA.

• HSA dollars can pay DPC fees.
  Employees can use their HSA to pay for DPC each month, up to a federal cap:

  • $150/month for an individual

  • $300/month for a family
    (These limits may change a little each year.)

• More plan choices.
  In 2026, some Bronze and Catastrophic plans can be used with an HSA. That means more low-premium options to pair with DPC.

Why this helps your team

• Lower premiums, better everyday care.
  Pick a lower-premium HDHP for big, unexpected bills. Pair it with PFM’s DPC so employees get same- or next-day primary care, longer visits, and easy access.

• Tax savings.
  Paying DPC from an HSA uses pre-tax dollars, which saves money.

• Simple to explain.
  “DPC for everyday care + HDHP for big stuff + HSA for tax savings.”

Do HSA-paid DPC fees count toward the deductible?

• Sometimes, yes.
  Many plans can credit DPC payments toward the deductible, but the process depends on the insurance carrier or TPA (the company that runs your plan).

• Action step: Ask your broker/carrier how DPC payments will be captured and credited (for example, via EOBs or a claim file).

How to set this up for 2026

•  Choose the major medical plan.
  Pick an HSA-compatible HDHP (including eligible Bronze/Catastrophic options for 2026).

•  Add PFM’s DPC membership.
  Use our discounted employer-group rates. We handle primary care, chronic care, urgent issues, and care coordination.

•  Fund HSAs.
  Consider an employer HSA contribution. Teach employees that HSA dollars can pay DPC (up to the cap).

•  Confirm deductible crediting.
  Work with your broker/carrier to set up how DPC payments will count (if your plan supports this).

•  Communicate clearly.
  Share a one-page flyer: “PFM DPC + HDHP + HSA = better access, lower costs, tax benefits.”

What this looks like in real life

• A small business picks a low-premium Bronze plan for disasters and hospital stays.

• The business enrolls everyone in PFM’s DPC for everyday care.

• Employees use HSA dollars to pay DPC each month (within the cap).

• The plan may count those DPC payments toward the deductible (confirm with the carrier).

Why choose Preferred Family Medicine (PFM)?

• Fast access: same-/next-day visits, text/phone/telehealth options.

• Longer visits: more time, clearer plans.

• Navigation: help with specialists, imaging, labs, and meds.

• Local care: a trusted Northern Nevada team.

Next steps for employers

• Want a simple, affordable 2026 plan design?
  Contact Preferred Family Medicine to review HDHP options, DPC group pricing, HSA education, and how to credit DPC payments toward the deductible with your carrier.

Note: This is general information, not legal or tax advice. Please confirm details with your benefits broker, carrier/TPA, and tax advisor.