A Game-Changing Update for 2026: HSAs Now Cover Direct Primary Care
If you’ve been on the fence about joining a Direct Primary Care (DPC) practice, 2026 just gave you one more compelling reason to make the switch. Starting January 1, 2026, the federal government officially allows individuals to use Health Savings Account (HSA) funds to pay for Direct Primary Care membership fees — up to $150/month for individuals and $300/month for family or multi-person memberships.
At Modern Care DPC in Liberty Lake, WA, we’ve been waiting for this moment. This policy change makes it easier than ever for individuals, families, and business owners in the Liberty Lake, Spokane Valley, and greater Spokane area to access the kind of personalized, unhurried primary care that you deserve — and now, you can pay for it with pre-tax dollars.
What Is Direct Primary Care?
Direct Primary Care is a simple, transparent healthcare model. Instead of billing insurance for every visit, you pay a flat monthly membership fee directly to your doctor. That fee covers most of your primary care needs — from same-day sick visits and annual physicals to chronic disease management, lab work, and even after-hours communication with your physician.
At Modern Care DPC, Dr. Andrew Odle, MD keeps his patient panel intentionally small so that every patient gets the time and attention they deserve. No rushed 7-minute appointments. No waiting weeks to be seen. No surprise bills.
A Real Patient Story: Same-Day Care That Made All the Difference
Consider a patient like Mark, a 47-year-old small business owner in Liberty Lake. Last spring, Mark woke up with chest tightness and shortness of breath. In the traditional healthcare system, he might have waited days for an appointment — or worse, headed to an urgent care clinic and paid hundreds of dollars out of pocket, only to be seen by a provider who didn’t know his history.
Instead, Mark texted Dr. Odle directly through the Modern Care DPC patient portal. Within 20 minutes, he had a same-day appointment. Dr. Odle performed an EKG in the office, reviewed Mark’s history, and determined the issue was musculoskeletal — not cardiac. Mark was back at work by noon, reassured and with a clear care plan. No ER visit. No $3,000 bill. Just fast, personal, expert care.
That’s the Modern Care DPC difference.
Why Liberty Lake Business Owners Are Choosing DPC for Their Teams
If you own a business in Liberty Lake or the Spokane Valley area, healthcare costs are likely one of your biggest headaches. Traditional group insurance premiums continue to rise year after year, and your employees still face high deductibles, long wait times, and impersonal care.
Here’s why smart local business owners are turning to Direct Primary Care as a benefits solution:
- Predictable, flat-rate costs: DPC memberships are a fixed monthly fee — no surprise claims, no unpredictable premium spikes.
- Reduced ER and urgent care visits: When employees can reach their doctor same-day, they stop going to the ER for non-emergencies. Studies show businesses can save up to 40% on healthcare costs by integrating DPC.
- Less absenteeism: Employees who get prompt, effective care return to work faster and stay healthier longer.
- A powerful recruiting tool: In today’s competitive job market, offering DPC as a benefit signals that you genuinely care about your team’s wellbeing.
- Pairs perfectly with high-deductible health plans (HDHPs): Many businesses combine a DPC membership with a lower-cost HDHP + HSA, dramatically reducing overall healthcare spend while maintaining excellent primary care access.
- Now HSA-eligible: Starting in 2026, employees with HSAs can use pre-tax dollars to cover their DPC membership — making the benefit even more tax-efficient for both employer and employee.
The AAFP Supports Direct Primary Care — And So Do We
The American Academy of Family Physicians (AAFP) has long recognized Direct Primary Care as a patient-first model that strengthens the doctor-patient relationship and improves health outcomes. The AAFP has actively supported legislation to expand DPC access, including the HSA eligibility change that took effect in 2026. According to the AAFP, DPC clinic fees typically range between $50 and $100 per month — making it one of the most affordable ways to access high-quality, relationship-based primary care.
Dr. Andrew Odle, MD is proud to practice in alignment with these values at Modern Care DPC in Liberty Lake, WA. As a board-certified family physician, Dr. Odle believes that great primary care is the foundation of a healthy community — and that every patient deserves a doctor who knows their name, their history, and their goals.
How to Get Started with Modern Care DPC
Whether you’re an individual looking for a better primary care experience, a family tired of waiting weeks for appointments, or a business owner exploring smarter healthcare benefits, Modern Care DPC is here for you.
📍 Modern Care DPC
Liberty Lake, WA
Serving Liberty Lake, Spokane Valley, Spokane, and surrounding communities
👨⚕️ Dr. Andrew Odle, MD — Your Direct Primary Care Physician
🌐 Visit us at www.moderncaredpc.com to learn more about membership options and to schedule your free meet-and-greet with Dr. Odle.
Don’t wait weeks for an appointment with a doctor who doesn’t know you. Join Modern Care DPC and experience healthcare the way it was meant to be — personal, prompt, and affordable.
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