Published March 21, 2026 | Modern Care DPC | Liberty Lake, WA | Andrew Odle, MD
A Game-Changing Year for Direct Primary Care — Especially for Business Owners
If you’re a small business owner, entrepreneur, or self-employed professional in Liberty Lake, Spokane Valley, or the greater Spokane area, 2026 may be the year you finally find a healthcare solution that actually works for you — and your bottom line.
At Modern Care DPC, we’ve been watching a major shift unfold in how Americans access and pay for primary care. And right now, the stars are aligning for Direct Primary Care (DPC) like never before. Here’s what you need to know.
What Is Direct Primary Care?
Direct Primary Care is a simple, transparent healthcare model. Instead of billing insurance for every visit, your doctor charges a flat monthly membership fee — and in return, you get unlimited access to your primary care physician, same-day or next-day appointments, longer visits, and a doctor who actually knows your name.
At Modern Care DPC in Liberty Lake, WA, Dr. Andrew Odle, MD provides exactly that kind of care. No rushed 7-minute appointments. No waiting weeks to be seen. No surprise bills. Just a trusted physician who is available when you need him — by phone, text, video, or in person.
The 2026 HSA Rule Change: A Big Win for DPC Members
Here’s the headline news: Starting January 1, 2026, a new federal law now allows Health Savings Account (HSA) funds to be used to pay for Direct Primary Care membership fees.
Previously, having a DPC membership could actually disqualify you from HSA eligibility. That barrier is now gone. Under the new law, HSA holders can use their pre-tax dollars to cover DPC membership fees up to:
- $150/month for individuals
- $300/month for families
This means you can now pair a high-deductible health plan (HDHP) with your HSA and a DPC membership — getting the best of all worlds: catastrophic coverage for major events, pre-tax savings, and unlimited access to a personal primary care physician for everyday needs.
Why This Matters for Liberty Lake Business Owners
With the expiration of expanded ACA subsidies in 2026, many self-employed professionals and small business owners are now paying full, unsubsidized insurance premiums — and feeling the pinch. The “HDHP + HSA + DPC” combination is emerging as one of the smartest healthcare strategies for entrepreneurs and business owners this year.
Here’s why it works so well:
- ✅ Predictable costs — A flat monthly DPC membership fee means no surprise bills for primary care visits, labs, or care coordination.
- ✅ Reduced ER and urgent care visits — When you can reach Dr. Odle directly by phone or text, you avoid costly urgent care and ER trips for issues that don’t require emergency care.
- ✅ Wholesale prescription pricing — DPC practices often offer medications at dramatically reduced wholesale prices, saving members hundreds per year.
- ✅ Tax efficiency — Use pre-tax HSA dollars to fund your DPC membership, reducing your taxable income.
- ✅ Employee retention — Offering DPC as a benefit helps attract and retain quality employees without the sky-high cost of traditional group insurance.
- ✅ Less time away from work — Same-day appointments and direct physician access mean your team spends less time in waiting rooms and more time being productive.
A Patient Story: How DPC Changed Everything for a Local Business Owner
The following is a representative patient story illustrating the real-world benefits of Direct Primary Care.
Mark runs a small landscaping company in Liberty Lake with eight employees. Like many small business owners, he’d been going without regular primary care for years — too busy, too expensive, and too frustrated with long waits and impersonal care at traditional clinics.
Last spring, Mark joined Modern Care DPC. Within his first month, he texted Dr. Odle about a nagging chest tightness he’d been ignoring for weeks. Dr. Odle responded within the hour, had Mark come in that same afternoon, and ran an EKG right in the office. It turned out to be a manageable cardiac arrhythmia — caught early, treated promptly, and monitored closely.
“I would have kept putting it off,” Mark said. “With my old doctor, I couldn’t get an appointment for three weeks. With Dr. Odle, I was seen the same day. It might have saved my life.”
Mark has since enrolled three of his employees in the practice as well, pairing their DPC memberships with a lower-cost HDHP. His total healthcare spend went down — and his team’s health outcomes went up.
The American Academy of Family Physicians Supports DPC
The American Academy of Family Physicians (AAFP) has long supported the Direct Primary Care model as a viable, patient-centered alternative to traditional fee-for-service medicine. In recent congressional testimony, the AAFP noted that DPC “has experienced substantial growth” and continues to advocate for policies that expand access to this model of care.
The AAFP’s 2026 advocacy priorities include ensuring that primary care physicians are fairly compensated and that patients — regardless of insurance status — have access to a trusted family physician. DPC aligns perfectly with these goals by removing the insurance middleman and restoring the direct relationship between doctor and patient.
Why Choose Modern Care DPC in Liberty Lake, WA?
Dr. Andrew Odle, MD is a board-certified family medicine physician who founded Modern Care DPC with one mission: to provide exceptional, accessible, and personal primary care to the Liberty Lake and Spokane Valley community.
As a Modern Care DPC member, you can expect:
- 📞 Direct access to Dr. Odle by phone, text, or video — no gatekeepers, no hold music
- 📅 Same-day or next-day appointments for acute concerns
- ⏱️ Longer, unhurried visits — because your health deserves more than 7 minutes
- 💊 Wholesale medication pricing for common prescriptions
- 🩺 Comprehensive preventive care — annual physicals, chronic disease management, lab work, and more
- 💼 Business membership options — affordable plans for employers who want to offer DPC as a benefit
Ready to Make the Switch?
Whether you’re a business owner looking for a smarter healthcare solution, a self-employed professional tired of paying for insurance you can’t use, or a family that simply wants a doctor who knows you — Modern Care DPC is here for you.
📍 Modern Care DPC
Liberty Lake, WA
Andrew Odle, MD — Your Direct Primary Care Physician
🌐 www.moderncaredpc.com
Call or visit our website today to learn about membership options and schedule your first visit. Experience the difference that a doctor who truly knows you can make.
Modern Care DPC serves patients in Liberty Lake, Spokane Valley, Spokane, Cheney, and surrounding communities in Eastern Washington. Dr. Andrew Odle, MD provides direct primary care services including preventive care, chronic disease management, acute illness treatment, and care coordination.