Open Enrollment Hack: How Direct Primary Care Can Save You Money (and Now Your HSA Can Pay for It!)
Open enrollment season is here, which means you’re staring at a stack of health insurance options, wondering which one will cost you the least while still giving you great care. Here’s the secret: the smartest plan might not be the most expensive one. Pairing the right insurance with Direct Primary Care (DPC) can save you a ton of money.
Here’s how it works:
Instead of paying for a high-cost, low-deductible insurance plan that you rarely use, choose a lower-premium, high-deductible plan for the “big stuff” like hospital stays, specialists, and emergencies. Let DPC handle your everyday care.
At Impact Family Wellness, your DPC membership covers:
- Unlimited visits with your provider
- No copays, ever
- Same- or next-day appointments
- Extended visits so you actually have time to talk about your health
- Transparent pricing for labs, imaging, and medications
That means you do not have to run every cough, ache, or prescription refill through your insurance. You get better access to care and you keep more money in your pocket.
The game-changing news:
Starting
January 1, 2026, you can use your
Health Savings Account (HSA) to pay for your DPC membership. This is significant because it means your DPC fees can now be paid with pre-tax dollars, thereby lowering your taxable income while providing the care you need.
How to set yourself up for maximum savings during open enrollment:
- Choose a high-deductible health plan (HDHP) that is HSA-eligible.
- Open or contribute to your HSA. This account allows you to pay for qualified medical expenses, including DPC memberships starting in 2026, using tax-free dollars.
- Sign up for DPC to enjoy unlimited access to your provider for one low monthly rate.
- Use insurance only when you need it such as for specialist visits, hospital care, or major procedures.
Why it works:
You stop overpaying for coverage you do not actually use and start paying for care that you can access anytime. It is the best of both worlds. Affordable, everyday healthcare from DPC and financial protection from insurance for the big stuff.
This open enrollment, do not just pick a plan. Pick a strategy. DPC, combined with the right insurance and an HSA, is the ultimate combination for saving money and receiving the care you deserve.
