Published May 2, 2026 | Modern Care DPC — Liberty Lake, WA
A Game-Changing Year for Primary Care Access
If you’ve been curious about Direct Primary Care (DPC) but weren’t sure how it fit with your existing health insurance or Health Savings Account (HSA), 2026 brings some of the best news in years — and it directly benefits patients and business owners right here in Liberty Lake, Washington.
At Modern Care DPC, Dr. Andrew Odle, MD has always believed that primary care should be personal, accessible, and affordable. Thanks to landmark federal legislation and growing recognition of the DPC model, that vision is now easier to achieve than ever before.
The HSA + DPC Conflict Is Finally Resolved
For years, one of the biggest barriers to joining a Direct Primary Care practice was a frustrating tax rule: enrolling in a DPC membership could potentially disqualify you from contributing to a Health Savings Account (HSA). The IRS previously classified DPC memberships as “other coverage,” which conflicted with the requirements of HSA-eligible High-Deductible Health Plans (HDHPs).
That conflict is now resolved.
The One Big Beautiful Bill Act (H.R. 1), signed into law on July 4, 2025, and effective January 1, 2026, explicitly recognizes Direct Primary Care memberships as qualified medical expenses under HSA rules. Here’s what that means for you:
- ✅ You can now use pre-tax HSA dollars to pay your monthly DPC membership fee (up to $150/month for individuals, $300/month for families).
- ✅ Enrolling in a DPC practice like Modern Care DPC no longer disqualifies you from contributing to your HSA — as long as you maintain a qualifying HDHP.
- ✅ The DPC + HDHP combination is now explicitly supported by federal law, making it a smart, tax-advantaged healthcare strategy.
This is one of the most significant federal policy shifts for primary care access in years, and it’s great news for families and employers in the Spokane Valley and Liberty Lake area.
What This Means for Liberty Lake Patients: A Real-Life Example
Consider Maria, a 42-year-old Liberty Lake resident managing mild hypertension and a busy schedule. Under the old system, she hesitated to join Modern Care DPC because she wasn’t sure how it would affect her HSA contributions. She often waited weeks for appointments at a traditional clinic, only to spend 10 minutes with a doctor who barely knew her name.
After joining Modern Care DPC in January 2026, everything changed. When Maria noticed her blood pressure readings were trending higher, she sent a quick message to Dr. Odle through the patient portal. He responded within the hour. They adjusted her medication that same day — no waiting room, no co-pay, no hassle. And because she paired her DPC membership with her HDHP, she’s still contributing to her HSA and using those pre-tax dollars to cover her monthly membership fee.
“I finally feel like I have a doctor who actually knows me,” Maria said. “Dr. Odle remembers my history, my family, my concerns. It’s the kind of care I always wanted.”
The AAFP Agrees: Primary Care Is the Foundation of a Healthy America
The American Academy of Family Physicians (AAFP) has long championed the critical role of primary care in improving health outcomes and reducing overall healthcare costs. In its 2026 Medicare Physician Fee Schedule advocacy, AAFP President Dr. Sarah Nosal, MD, FAAFP, wrote:
“To truly achieve the promise of a better health care system, we must prioritize primary care… ensuring that every patient, no matter where they live, can access the trusted, ongoing care they need.”
— Dr. Sarah Nosal, MD, FAAFP, AAFP President, 2026
At Modern Care DPC, Dr. Andrew Odle, MD embodies this philosophy every single day. With a smaller patient panel than traditional practices, Dr. Odle can dedicate the time and attention each patient deserves — whether it’s a same-day sick visit, a chronic disease check-in, or a preventive wellness exam.
Why Direct Primary Care Is a Smart Move for Liberty Lake Business Owners
If you’re a small business owner or employer in Liberty Lake, Spokane Valley, or the greater Spokane area, the 2026 changes make Direct Primary Care an even more compelling employee benefit. Here’s why:
💰 Predictable, Flat-Fee Healthcare Costs
DPC operates on a simple monthly membership model — no surprise bills, no per-visit charges for covered services. For employers, this means predictable healthcare budgeting without the volatility of traditional insurance claims.
🏥 Fewer ER Visits, Less Urgent Care Spending
When employees have direct, same-day access to Dr. Odle, they’re far less likely to visit the emergency room or urgent care for conditions that primary care can handle. Studies show DPC patients use the ER significantly less — saving employers and employees thousands of dollars annually.
📈 Better Employee Health = Better Productivity
Employees who have a trusted primary care physician are more likely to stay on top of preventive care, manage chronic conditions proactively, and take fewer sick days. That’s a direct benefit to your bottom line.
🤝 A Competitive Benefit That Attracts Top Talent
In today’s competitive job market, offering DPC as an employee benefit sets you apart. Employees value healthcare that actually works — and a DPC membership with Dr. Odle at Modern Care DPC is a benefit they’ll genuinely appreciate and use.
✅ Now Fully Compatible with HSA-Qualified Plans
Thanks to the 2026 federal rule changes, employers can now structure DPC memberships alongside HDHPs and HSAs without compliance concerns. This creates a powerful, tax-advantaged benefits package that reduces total plan spend while improving the day-to-day care experience for your team.
What Makes Modern Care DPC Different?
At Modern Care DPC in Liberty Lake, WA, Dr. Andrew Odle, MD offers a refreshingly different approach to primary care:
- 📞 Same-day or next-day appointments — no weeks-long waits
- ⏱️ Longer appointment times — Dr. Odle actually listens
- 📱 Direct access via phone, text, or portal — reach your doctor when you need him
- 💊 Wholesale medication pricing — many common medications at dramatically reduced costs
- 🔬 In-office labs and procedures — convenient, affordable, and fast
- ❤️ Personalized, relationship-based care — Dr. Odle knows you, your history, and your goals
Ready to Experience the Modern Care DPC Difference?
Whether you’re an individual looking for a primary care physician who truly knows you, a family seeking affordable and accessible healthcare, or a business owner exploring smarter employee benefits — Modern Care DPC is here for you.
Dr. Andrew Odle, MD is currently accepting new patients in Liberty Lake, WA. Don’t settle for rushed appointments and long waits. Experience primary care the way it was meant to be.
📍 Modern Care DPC
Liberty Lake, WA
🌐 www.moderncaredpc.com
📞 Call or visit our website to schedule your membership consultation today.
Modern Care DPC is a direct primary care practice serving Liberty Lake, Spokane Valley, and the greater Spokane, WA area. Dr. Andrew Odle, MD provides comprehensive, personalized primary care through an affordable monthly membership model. DPC is not health insurance — it works alongside your existing coverage to give you better access to your doctor.