As of January 1, 2026, Direct Primary Care no longer disqualifies patients from HSA eligibility, as long as the membership fee stays at or below $150 a month for one person, $300 for a family. Miss the December 1, 2026 filing deadline, though, and a Medicare opt-out slides a full quarter.

Dr. Reid Lancaster once nearly bought a wheelchair from a thrift store for a Medicare patient after weeks of insurance denials, the moment that sent him back to medical school. Today his Direct Primary Care practice serves both some of the wealthiest people in the country and a large uninsured population, minutes apart.

A patient with stage four lung cancer had hospital bills fully shared by Zion HealthShare after paying their portion. How pairing a health share membership with Direct Primary Care actually works, including what counts as a pre-existing condition.