HSA & DPC — How to Pay
Health Savings Account (HSA) and Direct Primary Care: How to Pay for Your Care in 2026
You're already paying for healthcare. The question is whether you're paying for it with pre-tax dollars or after-tax dollars.
If you have a high-deductible health plan and a Health Savings Account (HSA), there's important news for 2026: you can now use your pre-tax HSA dollars to pay for your Direct Primary Care membership at Sina Medical Direct Primary Care. This is one of the biggest federal policy shifts for primary care access in years, and it directly lowers what your membership actually costs you.
Under the care of Dr. Ali, our $89/month DPC membership is fully eligible for Health Savings Account (HSA) payment, and the math works heavily in your favor. Most patients save hundreds of dollars per year just by switching how they pay.
- Same-Day & Next-Day Visits
- No Copays, No Insurance Hassle
- Triple Board-Certified Physician
What's Included
What Sina Membership Covers Through Your Health Savings Account (HSA)
When you pay your Sina membership with HSA funds, you're using pre-tax dollars to cover unlimited primary care, including:
Annual physicals and preventive care
24/7 direct access to Dr. Ali by text, call, and telehealth
Same-day and next-day appointments
Chronic disease management
Sick visits and urgent care
In-office procedures and injections
Lifestyle medicine and weight loss support
Mental health support and counseling referrals
Women's and men's health services
You can also use your Health Savings Account (HSA) to pay for additional qualified medical expenses outside the membership, such as labs, generic medications, specialist visits, and other covered care, as you normally would.
How It Works
How to Pay Sina With Your Health Savings Account (HSA)
It's simple:
Use Your Health Savings Account (HSA) Debit Card
Most HSA accounts come with a debit card. You can use it directly to pay your monthly Sina membership, just like any other qualified medical expense.
Reimburse Yourself
If you prefer to pay your membership another way (credit card, bank transfer), you can reimburse yourself from your Health Savings Account (HSA) later. Keep your Sina receipt for tax records.
Track for Tax Time
Your Health Savings Account (HSA) administrator will provide year-end summaries of qualified medical expenses, which you'll use when filing taxes. Sina will provide receipts as needed. If you're unsure about anything specific to your HSA account, we recommend confirming with your Health Savings Account (HSA) administrator or a tax professional.
What Changed in 2026
For years, the IRS treated DPC memberships as "other coverage," which created a frustrating catch-22: if you wanted DPC, you often had to give up HSA contributions. That conflict made many patients and employers avoid pairing the two altogether.
That conflict is now resolved at the federal level. 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 Health Savings Account (HSA) rules, effective January 1, 2026.
DPC memberships are now federally recognized as qualified Health Savings Account (HSA) expenses. You can use pre-tax HSA dollars to cover your monthly DPC membership fee, up to the federal qualification limits.
DPC enrollment no longer disqualifies you from contributing to an Health Savings Account (HSA), as long as you maintain a qualifying high-deductible health plan.
The IRS issued formal guidance, Notice 2026-05, on December 9, 2025, clarifying exactly how these rules work in practice.
Does Sina Medical Direct Primary Care Qualify?
Yes. Sina Medical Direct Primary Care meets all federal requirements for HSA eligibility.
The federal law sets specific caps on DPC fees that qualify under Health Savings Account (HSA) rules: $150 per month for individual coverage and $300 per month for family coverage. Our pricing is well within these limits:
Individual membership: $89/month (qualifies; under the $150 cap)
Couples membership: $159/month (qualifies; under the $300 cap)
Family membership: $289/month (qualifies; under the $300 cap)
This means every Sina Medical Direct Primary Care membership tier is fully eligible for Health Savings Account (HSA) payment.
How Much You Actually Save
Using pre-tax HSA dollars instead of after-tax income directly lowers what your membership costs you. The amount you save depends on your federal tax bracket.
Here's the math for an individual membership at $89/month, or $1,068/year:
If you live in a state with state income tax (Illinois has a flat 4.95% income tax), you save even more. Combined federal and Illinois savings can bring your effective cost down further.
For most working professionals in Illinois, a $89/month Sina membership ends up costing about $60 to $70 per month after Health Savings Account (HSA) tax savings.
| Tax Bracket | Annual Tax Savings | Effective Monthly Cost |
|---|---|---|
| 12% | $128/year | About $78/month |
| 22% | $235/year | About $69/month |
| 24% | $256/year | About $68/month |
| 32% | $342/year | About $61/month |
Who Can Use HSA Funds for Sina
You can use HSA dollars to pay for your Sina membership if:
You are enrolled in a qualifying High Deductible Health Plan (HDHP)
You have an HSA account funded through your employer, your bank, or independently
Your Sina membership fits within the federal qualification caps (it does)
New for 2026: Marketplace Bronze and Catastrophic plans will also count as HSA-eligible coverage starting with the 2026 plan year, expanding who can contribute to an Health Savings Account (HSA). If you previously could not contribute to an Health Savings Account (HSA) because your Bronze plan didn't qualify, that may change in 2026.
Frequently Asked Questions
Is my Sina Medical Direct Primary Care membership actually HSA-eligible?
Yes. As of January 1, 2026, Sina Medical Direct Primary Care meets all federal requirements for HSA eligibility. Our pricing falls within the federal qualification caps for individual, couples, and family memberships.
Can I use HSA funds for my spouse's or kids' Sina memberships?
Yes. HSA funds can be used for qualified medical expenses for you, your spouse, and your tax dependents, including their Sina memberships if they're enrolled.
What if I'm enrolled in Sina but not in a high-deductible health plan?
You can still be a Sina patient, but to contribute new dollars to an Health Savings Account (HSA), you generally need to be enrolled in a qualifying HDHP. The 2026 changes also expand HSA eligibility to certain Marketplace Bronze and Catastrophic plans. If you already have existing HSA funds, you can still use them for your Sina membership even if you're no longer actively contributing.
How much can I contribute to my Health Savings Account (HSA) in 2026?
HSA contribution limits are set annually by the IRS. Check the current year's limits with your Health Savings Account (HSA) administrator or at IRS.gov, since these are adjusted for inflation.
Do I need to do anything special at tax time?
You report Health Savings Account (HSA) distributions on IRS Form 8889 when filing your taxes. Your Health Savings Account (HSA) administrator provides the records you need. We recommend working with a tax professional if you have questions specific to your situation.
What if my employer offers Sina through an EBHRA or other benefit?
Employers can now offer DPC alongside HDHP + Health Savings Account (HSA) plans without conflicts, thanks to the new law. If your employer is interested in adding Sina as a benefit, contact us for an employer consultation.
Can I pay annually instead of monthly?
Yes. Annual payments are allowed under the new IRS guidance, as long as the fee structure remains a fixed periodic fee. Contact us to set this up.
Where can I learn more about the law?
The IRS has issued formal guidance in Notice 2026-05. Helpful sources include IRS.gov, the AAFP (American Academy of Family Physicians), and healthinsurance.org.
The Bottom Line
Starting January 1, 2026, paying for Sina Medical Direct Primary Care with HSA dollars is one of the smartest healthcare moves you can make if you have a high-deductible health plan. You get unlimited primary care from a triple board-certified physician, paid with pre-tax dollars, at an effective cost most patients find surprisingly affordable.
Ready to Enroll? Book a free discovery call and we'll walk you through exactly how to use your Health Savings Account (HSA) to pay for your membership.
Sources and References
The information on this page is based on the One Big Beautiful Bill Act (H.R. 1, signed July 4, 2025), IRS Notice 2026-05 (issued December 9, 2025), and current guidance from federal agencies and primary care policy organizations.
Primary Government Sources
- IRS One Big Beautiful Bill Provisions: irs.gov/newsroom/one-big-beautiful-bill-provisions
- Public Law H.R. 1 (One Big Beautiful Bill Act), signed July 4, 2025
IRS Notice 2026-05: Treasury and IRS Guidance on Health Savings Account (HSA) Provisions Under the One Big Beautiful Bill — irs.gov/newsroom/treasury-irs-provide-guidance-on-new-tax-benefits-for-health-savings-account-participants-under-the-one-big-beautiful-bill
Professional and Policy Sources
- American Academy of Family Physicians (AAFP) — aafp.org
- Health Insurance dot org coverage of OBBB: healthinsurance.org/blog/one-big-beautiful-bill-act-brings-sweeping-changes-to-health-coverage
- Hint Health (DPC industry analysis): blog.hint.com
Important Disclaimer
This page is for general educational purposes only and does not constitute tax, legal, or financial advice. Health Savings Account (HSA) rules and contribution limits change annually, and individual tax situations vary. For advice specific to your situation, consult your Health Savings Account (HSA) administrator, a tax professional, or a licensed financial advisor. Sina Medical Direct Primary Care does not provide tax advice. Information on this page reflects federal guidance available as of the publication date and may be updated as the IRS issues additional rules.
Medically Reviewed by Dr. Syeda Farheen Ali, MD Triple Board-Certified Physician in Internal Medicine, Obesity Medicine, and Lifestyle Medicine Last updated: July 2026
The Problem
Why the Traditional System Fails Patients
What an ER or urgent care bills for issues we treat the same day
The average appointment in traditional, insurance-driven care
Of patients delay or skip care over cost, wait times, or access
A flat Sina membership — everything included, no copays, no surprise bills
What's Covered
Everything Included In Your Membership
One flat monthly membership covers comprehensive care across every category below — with no copays, no hidden fees, and direct access to Dr. Ali.
- Unlimited same-day and next-day visits
- Telehealth across Illinois
- Direct text and call access to Dr. Ali
- Annual physicals and preventive care
- Acute and urgent care (flu, UTI, strep, rash, ear infections)
- Chronic disease management (diabetes, hypertension, thyroid, COPD, sleep apnea)
- Women's health: HRT, menopause care, Pap smears, breast exams
- Men's health: testosterone, preventive care, cardiovascular health
- GLP-1 prescriptions (Semaglutide, Tirzepatide)
- Medical weight loss management
- Labs at wholesale cost (70 to 90 percent off retail)
- Generic medications at cost
- Specialist referral coordination
- Sick Visits
- Cold, Flu & Viral Illness Treatment
- Sore Throat & Strep Testing
- Sinus Infections
- Pneumonia Evaluation & Treatment
- Urinary Tract Infection (UTI) Treatment
- STI Testing & Sexual Health Screening
- Skin Rashes & Minor Skin Conditions
- Minor Lacerations & Wound Care
- Suture/staple Removal
- Muscle Strains & Sprains
- Joint Pain Evaluation
- Ear Wax Removal
- Return-to-Work Clearance Visits
- Stomach Flu & Digestive Illnesses
- Well-Woman Exams, Pap Smear
- Menopause & Perimenopause Care
- Hormone Replacement Therapy (HRT)
- Bioidentical Hormone Therapy (BHRT)
- Pap Smears & Cervical Cancer Screening
- Insulin Resistance & Metabolic Health Support
- Thyroid Hormone Optimization
- Fatigue & Hormonal Imbalance Treatment
- Weight Loss for Women
- Preventive Women's Health Care
- Men's Preventive Care
- Testosterone Replacement Therapy (TRT)
- Hormone Optimization for Men
- Men's Weight Loss Programs
- Andropause / Male Menopause Support
- Metabolic Health & Energy Optimization
- Physician-Guided Weight Loss Programs
- GLP Therapy (Semaglutide / Tirzepatide)
- Personalized Nutrition Counseling
- Exercise & Lifestyle Planning
- Metabolic Syndrome Management
- Insulin Resistance & Prediabetes
- Ongoing Progress Monitoring
- Bariatric Surgery Referrals When Appropriate
- Diabetes & Prediabetes
- High Blood Pressure (Hypertension)
- High Cholesterol (Dyslipidemia)
- Thyroid Disorders
- Asthma & COPD
- Coronary Artery Disease
- Congestive Heart Failure
- Sleep Apnea
- Fatty Liver Disease & IBS
- Osteoarthritis & Osteoporosis
- Heartburn & Acid Reflux
- Atrial Fibrillation
- Lifestyle Medicine Counseling
- Sustainable Habit Development
- Disease Prevention & Risk Reduction
- Long-Term Wellness Planning
- Nutrition & Exercise Coaching
- Functional & Root-Cause Focused
- Stress & Sleep Optimization
Healthcare as It Should Be — Personalized, Accessible, Affordable
Join Sina Medical Direct Primary Care and experience healthcare that's personal, preventive, and truly built around you — not the insurance system.