10/11/2026
Business owners, renewal and open enrollment season is close. If you're about to sit down with your broker, here's one question worth adding to the list:
"Can a direct primary care membership sit alongside our high-deductible plan and our HSAs?"
Here's the short version of the answer. Under the 2026 HSA rules, a DPC arrangement no longer disqualifies someone from contributing to an HSA, and HSA dollars can be used to pay DPC fees, up to $150 a month for an individual or $300 a month for a family. So a high-deductible plan for the big, scary stuff and a DPC membership for everyday care can work together.
What that means for a small business is simple to say and hard to find elsewhere. Your team gets real access to a doctor who knows them, with no copays and no surprise bills at the front door. You get a benefit employees actually use, with a cost you can see up front.
The details depend on your plan design, so check with your benefits advisor and your tax professional about how it applies to your company. And if you'd like to talk through what this could look like for your team, we'd be glad to sit down with you.
Call (229) 638-6726 or visit orcharddpc.com. Business owners, what's the one thing about your current plan you wish you could change?