By Andrew Odle, MD | Modern Care DPC | Liberty Lake, WA
Big news for patients and employers in Liberty Lake and the greater Spokane area: starting January 1, 2026, you can now use your Health Savings Account (HSA) to pay for your Direct Primary Care (DPC) membership — and it won’t jeopardize your HSA eligibility. This is one of the most significant changes in primary care policy in years, and it directly benefits our patients at Modern Care DPC.
What Changed? The One Big Beautiful Bill Act
The One Big Beautiful Bill Act (H.R. 1), signed into law on July 4, 2025, resolved a long-standing conflict between DPC memberships and HSA rules. Previously, enrolling in a Direct Primary Care practice could technically disqualify you from contributing to an HSA because the IRS classified DPC memberships as “other coverage.” That classification is now gone.
Here’s what the new law means for you:
- ✅ DPC membership fees are now qualified HSA expenses — you can pay your monthly Modern Care DPC membership with pre-tax HSA dollars.
- ✅ DPC enrollment no longer disqualifies you from HSA contributions — as long as you maintain a qualifying High-Deductible Health Plan (HDHP).
- ✅ Federal caps: Up to $150/month for individuals and $300/month for families qualify under HSA rules (indexed for inflation).
A Real Patient Story: Same-Day Care That Made All the Difference
Consider Maria, a 42-year-old Liberty Lake resident and mother of two who joined Modern Care DPC earlier this year. One Tuesday morning, she woke up with severe ear pain and a fever. In the traditional healthcare system, she would have spent hours in an urgent care waiting room — or worse, the ER — racking up a $300+ bill.
Instead, she texted Dr. Andrew Odle directly at 7:45 AM. By 9:00 AM, she was in the office, diagnosed with an ear infection, and had her prescription called in to the pharmacy. She was back home by 9:30 AM — in time to get her kids to school.
“I couldn’t believe how fast and easy it was,” Maria said. “Dr. Odle actually knew my history, remembered my kids’ names, and spent real time with me. I’ve never experienced that in regular healthcare.”
This is the Modern Care DPC difference. No rushed 7-minute appointments. No waiting weeks to be seen. Just direct, personal care from a physician who knows you.
Why the AAFP Says Primary Care Investment Saves Money
The American Academy of Family Physicians (AAFP) recently testified before Congress that investing in primary care is one of the most cost-effective strategies to improve national health outcomes. A past AAFP president stated in a May 2026 congressional hearing that legislators can “reduce health care costs and improve the nation’s health by taking specific steps to invest more in primary care.”
Direct Primary Care is exactly that investment — at the individual and employer level. When patients have a trusted primary care physician they can reach quickly, they:
- Avoid unnecessary ER and urgent care visits
- Catch chronic conditions earlier
- Stay healthier and more productive at work
- Spend less on overall healthcare over time
Liberty Lake Business Owners: DPC Is Your Competitive Advantage
If you own a business in Liberty Lake, Spokane Valley, or the surrounding area, offering Direct Primary Care as an employee benefit is one of the smartest moves you can make in 2026.
Here’s why smart employers are switching to DPC:
💰 Significant Cost Savings
Studies show businesses can save up to 40% on healthcare expenses by integrating DPC into their benefits strategy. When paired with a High-Deductible Health Plan (HDHP) and HSA, employers get a powerful, cost-effective benefits package that rivals what large corporations offer.
⚡ Fewer Missed Work Days
When your employees can see Dr. Odle the same day or next day — instead of waiting 3 weeks for an appointment — they get better faster and miss less work. That’s a direct impact on your bottom line.
🏆 Attract and Retain Top Talent
In a competitive job market, offering DPC as a benefit signals that you genuinely care about your team’s wellbeing. It’s a differentiator that resonates with employees and their families.
📋 Predictable, Flat-Rate Costs
No surprise bills. No complex insurance negotiations. Just a simple, transparent monthly membership fee that makes healthcare budgeting straightforward for your business.
🤝 A Real Doctor Relationship
Your employees won’t be seeing a different provider every visit. They’ll build an ongoing relationship with Dr. Andrew Odle, MD — a board-certified family physician who knows their health history, their family, and their goals.
How to Get Started with Modern Care DPC
Whether you’re an individual, a family, or a Liberty Lake area business owner looking to offer DPC as an employee benefit, getting started is simple:
- Schedule a free meet-and-greet with Dr. Andrew Odle to learn if DPC is right for you.
- Choose your membership plan — transparent, flat-rate monthly pricing with no hidden fees.
- Start experiencing healthcare the way it should be — personal, prompt, and proactive.
📍 Modern Care DPC
Liberty Lake, WA
Provider: Andrew Odle, MD
🌐 www.moderncaredpc.com
With the new 2026 HSA rules making DPC more affordable than ever, there has never been a better time to make the switch. Your health — and your wallet — will thank you.
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 primary care with same-day and next-day appointments, direct physician access, and transparent flat-rate membership pricing. Learn more at moderncaredpc.com.