HSA Eligibility Changes: What You Need to Know

The One Big Beautiful Bill Act (OBBBA) expanded Health Savings Account (HSA) eligibility and introduced new ways to use HSA funds. These changes, which took effect January 1, 2026, allow more individuals to qualify for and benefit from an HSA.

Bronze and Catastrophic Health Plans Now Qualify

As of January 1, 2026, Bronze and Catastrophic health plans are treated as HSA-compatible, expanding the ability for individuals enrolled in these plans to open and contribute to a Health Savings Account (HSA). This change allows more people to take advantage of the tax benefits an HSA offers.

Who May Benefit?

This change may be especially beneficial for individuals who:

• Are enrolled in a Bronze health plan.
• Are enrolled in a Catastrophic health plan.
• Previously were not eligible to contribute to an HSA because of their health plan.

Direct Primary Care Is Now HSA-Compatible

As of January 1, 2026, individuals enrolled in certain Direct Primary Care (DPC) service arrangements may continue contributing to their HSA. In addition, eligible periodic Direct Primary Care fees can be paid tax-free using HSA funds.

Direct Primary Care is a healthcare model in which individuals pay a recurring fee directly to a primary care provider for routine, preventive, and primary care services rather than billing those services through traditional insurance.

Who May Benefit?

This change may be especially beneficial for individuals who:

• Participate in an eligible Direct Primary Care service arrangement.
• Want to continue contributing to their HSA while participating in a Direct Primary Care service arrangement.
• Would like to use HSA funds to pay eligible Direct Primary Care fees.

Making the Most of Your HSA

These HSA eligibility changes provide more opportunities to take advantage of the tax benefits and flexibility an HSA offers. Whether you qualify through a Bronze or Catastrophic health plan or participate in an eligible Direct Primary Care service arrangement, it's worth reviewing these updates to understand how they may benefit you.

Making the Most of Your HSA

These HSA eligibility changes provide more opportunities to take advantage of the tax benefits and flexibility an HSA offers. Whether you qualify through a Bronze or Catastrophic health plan or participate in an eligible Direct Primary Care service arrangement, it's worth reviewing these updates to understand how they may benefit you.

Open an HSA