Primary Care Enhancement Act of 2025

This bill lets people keep using a health savings account (HSA) if they also pay for a direct primary care (DPC) membership. It says a DPC membership doesn’t count as a separate health plan, so it won’t block HSA eligibility. It also allows HSA funds to be used to pay DPC membership fees.

A DPC membership here means paying a set monthly fee to a primary care doctor or clinic for basic, everyday care. The bill sets a fee cap of $150 per month for one person (double if it covers more than one person). It excludes things like procedures needing general anesthesia, most prescription drugs (except vaccines), and lab work not usually done in a primary care office. These limits define what counts as DPC under the bill. Employers would have to show any DPC fees they provide on employees’ W-2 forms.

• Who is affected: People with HSAs who want a DPC membership; employers that offer DPC to workers .
• What changes: DPC won’t block HSA eligibility; HSA funds can pay DPC fees; monthly fee cap applies; certain services are not included as DPC; employers report DPC fees on W-2s .
• When: Starts for months after December 31, 2025. The $150 cap is adjusted for inflation starting after 2026.