Big changes are on the horizon for Direct Primary Care. In Oregon, HB 2540 – starting January 1, 2026 – means many of your DPC membership fees may now count toward your insurance deductible.
At the same time, the federal Primary Care Enhancement Act (H.R. 1026) would allow DPC fees to be paid with HSAs, treating DPC as a medical service rather than insurance. This shift promises to reduce financial friction, making high-quality, relationship-based care more attainable for anyone.
A few more details:
Oregon HB 2540 (Effective January 1, 2026)
Under this law, most health insurance companies in Oregon will be required to count certain out-of-pocket payments (like DPC membership fees) toward an enrollee’s deductible/annual out-of-pocket maximum — even if the DPC provider is out-of-network, as long as the care is medically necessary, covered by the insurance plan, and the payment is less than what the same service would cost through an in-network provider.
Primary Care Enhancement Act of 2025 (H.R. 1026)
This proposed federal law aims to allow individuals with DPC arrangements to remain eligible for Health Savings Accounts (HSAs) and to use HSA funds to pay for DPC memberships. It qualifies if DPC fees not exceed $150/month for individuals, or $300/month for family coverage.
This means that it is getting easier to access the care you deserve, even with health insurance. A Direct Primary Care membership you get more time with your doctor, faster appointments, and care that actually fits your needs – And all that with transparent, predictable, and often lower costs.
You could be part of this exciting healthcare change. Become a member of Siskiyou Vital Medicine today and experience personal, proactive care that puts you – the patient – first.