​What’s new?

• You can keep an HSA and have DPC.
  Employees can join MVDPC and still use an HSA.

• HSA dollars can pay DPC fees.
  Employees can use their HSA to pay for DPC each month, up to a federal cap:

  • $150/month for an individual

  • $300/month for a family
    (These limits may change a little each year.)

• More plan choices.
  In 2026, some Bronze and Catastrophic plans can be used with an HSA. That means more low-premium options to pair with DPC.

 

Why this helps you.

• Lower premiums, better everyday care.
  Pick a lower-premium HDHP for big, unexpected bills. Pair it with MVDPC so employees get same- or next-day primary care, longer visits, and easy access.

• Tax savings.
  Paying DPC from an HSA uses pre-tax dollars, which saves money.

• Simple to explain.
  “DPC for everyday care + HDHP for big stuff + HSA for tax savings.”

 

Do HSA-paid DPC fees count toward the deductible?

• Sometimes, yes.
  Many plans can credit DPC payments toward the deductible, but the process depends on the insurance carrier or TPA (the company that runs your plan).

• Action step: Ask your broker/carrier how DPC payments will be captured and credited (for example, via EOBs or a claim file).

 

How to set this up for 2026

•  Choose the major medical plan.
  Pick an HSA-compatible HDHP (including eligible Bronze/Catastrophic options for 2026).

•  Add MVDPC membership.

•  Fund your HSA.
  Consider an employer HSA contribution. As an employer, teach your employees that HSA dollars can pay DPC (up to the cap).

•  Confirm deductible crediting.
  Work with your broker/carrier to set up how DPC payments will count (if your plan supports this).

•  Communicate clearly.

 

What this looks like in real life

• A small business picks a low-premium Bronze plan for disasters and hospital stays.

• The business enrolls everyone in MVDPC for everyday care.

• Employees use HSA dollars to pay DPC each month (within the cap).

• The plan may count those DPC payments toward the deductible (confirm with the carrier).

 

Why choose Mahoning Valley Direct Primary Care (MVDPC)?

• Fast access: same-/next-day visits, text/phone/telehealth options.

• Longer visits: more time, clearer plans.

• Navigation: help with specialists, imaging, labs, and meds.

• Local care: a trusted Youngstown team.

 

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Next Steps for Employers.​

• Want a simple, affordable 2026 plan design?
  Contact MVDPC to review HDHP options, DPC group pricing, HSA education, and how to credit DPC payments toward the deductible with your carrier.

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