servicesStatute: One Big Beautiful Bill Act of 2025

Is Direct Primary Care (DPC) Monthly Fee FSA Eligible?

Monthly retainer fee for direct primary care concierge medicine offering unlimited office visits, direct doctor communication, and unhurried appointments. HSA ONLY — up to $150/mo individual / $300/mo family.

Quick Answer: Yes, It Is Covered

Yes, Direct Primary Care (DPC) Monthly Fee is HSA-eligible starting in 2026 under the One Big Beautiful Bill Act (up to annual limits), but remains ineligible for FSAs.

Eligibility Criteria Matrix

Healthcare FSA (Flexible Spending)Ineligible
HSA (Health Savings Account)Eligible
Doctor Prescription RequiredNo (OTC)
Letter of Medical Necessity (LMN)Not Required

Where to Buy & Typical Cost

Typical retail price range: $60 – $150

$60 – $150

Specialist / Provider Direct

Pay direct to clinic and file reimbursement

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Frequently Asked Questions: Direct Primary Care (DPC) Monthly Fee

Is Direct Primary Care (DPC) Monthly Fee covered by my FSA?

No. Direct Primary Care (DPC) Monthly Fee is eligible for HSAs under new 2026 rules, but is not approved for standard Flexible Spending Accounts.

Do I need a prescription to buy Direct Primary Care (DPC) Monthly Fee?

No prescription is needed. Over-the-counter health supplies and medications have been fully eligible without a doctor's prescription since the CARES Act of 2020.

What documentation do I need to keep for my Direct Primary Care (DPC) Monthly Fee claim?

Save an itemized receipt or receipt email showing the merchant name, date of purchase, product description ("Direct Primary Care (DPC) Monthly Fee"), and amount paid. Credit card statements alone do not satisfy IRS audit requirements.

Where is the best place to purchase Direct Primary Care (DPC) Monthly Fee with an FSA card?

You can purchase directly at FSA-certified online retailers such as the FSA Store, or on Amazon using the FSA/HSA filter. Both accept benefits cards directly during checkout.