Your HSA Can Now Pay for Direct Primary Care — What Liberty Lake Families & Business Owners Need to Know in 2026

Published May 3, 2026 | Modern Care DPC | Liberty Lake, WA | Andrew Odle, MD

Big news for patients and employers in the Liberty Lake and Spokane Valley area: starting January 1, 2026, you can 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 access in years, and at Modern Care DPC, we want to make sure every family and business owner in our community understands what it means for them.

What Changed? The One Big Beautiful Bill Act of 2025

Under old federal tax rules, enrolling in a Direct Primary Care membership could actually disqualify you from contributing to an HSA. The IRS classified DPC memberships as “other coverage,” creating a frustrating catch-22 for patients who wanted the best of both worlds.

That conflict is now resolved. The One Big Beautiful Bill Act (H.R. 1), signed into law on July 4, 2025, explicitly recognizes Direct Primary Care memberships as qualified medical expenses under HSA rules — effective January 1, 2026. Here’s what that means practically:

• ✅ You can use pre-tax HSA dollars to pay your monthly DPC membership fee (up to $150/month for individuals, $300/month for families)
• ✅ Enrolling in DPC no longer disqualifies you from contributing to your HSA — as long as you maintain a qualifying High-Deductible Health Plan (HDHP)
• ✅ Employers can now pair DPC memberships with HDHPs and HSAs as a formal benefits strategy

This is a game-changer for families and small business owners in Liberty Lake, Spokane Valley, and the surrounding Inland Northwest region.

A Patient Story: How Direct Primary Care Made All the Difference

Consider a scenario that plays out far too often in traditional healthcare: You wake up on a Tuesday morning with chest tightness and shortness of breath. You call your regular doctor’s office — only to be told the next available appointment is in three weeks. Frustrated and worried, you end up in the emergency room, spending hours waiting, only to receive a bill for $1,800 for what turned out to be a stress-related muscle strain.

Now imagine the same scenario as a Modern Care DPC member.

You text Dr. Andrew Odle directly at 7:30 AM. By 8:15 AM, you’re in the office. Dr. Odle takes the time to listen — really listen — reviews your history, performs a thorough exam, and reassures you with a clear explanation and a same-day plan. You’re home by 9:00 AM, with zero co-pay, zero ER bill, and complete peace of mind.

This is the Modern Care DPC difference. Same-day and next-day appointments. Direct access to your physician via phone or text. Unhurried visits where you’re treated as a person, not a number.

Why Liberty Lake Business Owners Are Choosing Direct Primary Care for Their Teams

If you’re a small business owner in Liberty Lake, Spokane Valley, or the greater Spokane area, healthcare costs are likely one of your biggest headaches. Traditional group health insurance premiums continue to rise year after year, and your employees still struggle to get timely, quality care.

Direct Primary Care offers a smarter alternative — or a powerful complement to your existing plan. Here’s why more and more local employers are making the switch:

1. Predictable, Flat-Fee Costs

DPC memberships are priced at a simple monthly flat fee — no surprise bills, no co-pays for covered services, no claims processing. For employers, this means predictable healthcare budgeting for the first time.

2. Fewer Missed Work Days

When employees can see their doctor the same day — instead of waiting weeks or heading to urgent care — minor health issues get resolved quickly. That means less absenteeism and a more productive workforce.

3. Reduced ER and Urgent Care Costs

Studies consistently show that DPC patients use emergency rooms and urgent care facilities significantly less than patients in traditional practices. When your team has a trusted physician just a text away, they don’t need to default to expensive emergency care for routine issues.

4. Better Chronic Disease Management

Employees managing diabetes, hypertension, high cholesterol, or other chronic conditions thrive in the DPC model. With smaller patient panels and more time per visit, Dr. Odle can provide the proactive, personalized management that prevents costly complications down the road.

5. A Competitive Recruiting Advantage

In today’s tight labor market, offering DPC as part of your benefits package is a genuine differentiator. Employees value real access to a real doctor — not just an insurance card that’s hard to use.

6. HSA-Compatible Starting in 2026

Thanks to the new federal law, you can now structure DPC memberships alongside HDHPs and HSAs — giving your employees both comprehensive primary care access and the tax advantages of an HSA. Your benefits consultant can help you design a plan that maximizes value for your team.

What the AAFP Is Saying About Primary Care in 2026

The American Academy of Family Physicians (AAFP) has been vocal about the critical importance of investing in primary care. AAFP President Dr. Sarah Nosal recently wrote:

“To truly achieve the promise of a better health care system, we must prioritize primary care. Lasting change requires sustained commitment from policymakers and continued advocacy from physicians.”

The 2026 Medicare Physician Fee Schedule also brought meaningful improvements for primary care physicians — including better payment rates that reflect the true cost of running an independent practice, and new codes supporting mental and behavioral health integration. These changes signal a growing national recognition that primary care is the foundation of a healthy, cost-effective healthcare system.

At Modern Care DPC, we’ve built our practice around exactly this philosophy — putting the patient-physician relationship first, removing the barriers of insurance billing, and delivering the kind of care that actually keeps people healthy.

Is Direct Primary Care Right for You?

Direct Primary Care at Modern Care DPC is an excellent fit if you:

• Want same-day or next-day access to your doctor — without the wait
• Are tired of rushed 7-minute appointments where you feel unheard
• Have a chronic condition that needs consistent, attentive management
• Are a business owner looking for a smarter, more cost-effective healthcare benefit
• Want to use your HSA to cover your primary care costs (now federally supported!)
• Live or work in Liberty Lake, Spokane Valley, or the greater Spokane area

Meet Dr. Andrew Odle — Your Direct Primary Care Physician in Liberty Lake, WA

Dr. Andrew Odle, MD is the founder and primary care physician at Modern Care DPC, located in Liberty Lake, Washington. Dr. Odle is passionate about delivering personalized, relationship-based primary care that puts patients first. With a Direct Primary Care membership, you get direct access to Dr. Odle — by phone, text, or in-person — without the frustrations of traditional insurance-based medicine.

Modern Care DPC serves individuals, families, and employers throughout Liberty Lake, Spokane Valley, Spokane, and the surrounding Inland Northwest communities.

Ready to Experience the Modern Care DPC Difference?

Whether you’re an individual looking for a better primary care experience, a family ready to take control of your healthcare, or a business owner exploring smarter benefits options — we’d love to talk.

📍 Modern Care DPC | Liberty Lake, WA
🌐 www.moderncaredpc.com
👨‍⚕️ Andrew Odle, MD — Direct Primary Care Physician

Schedule your membership consultation today and discover what healthcare feels like when your doctor actually has time for you.

Keywords: Direct Primary Care Liberty Lake WA, DPC Spokane Valley, Andrew Odle MD, Modern Care DPC, HSA Direct Primary Care 2026, family doctor Liberty Lake, small business health benefits Spokane, same-day doctor appointment Liberty Lake, direct primary care for employers, primary care physician Liberty Lake Washington