2026 HSA changes for bronze plans, catastrophic plans, and direct primary care
Track the HSA eligibility changes that begin in 2026 and the permanent telehealth rule that applies from 2025 plan years.
Beginning in 2026, bronze and catastrophic individual-market plans are treated as HSA-compatible, and certain direct primary care arrangements can coexist with an HSA. Separate permanent telehealth relief applies for plan years beginning after 2024.
Bronze and catastrophic coverage
The new rule treats bronze and catastrophic plans available in the individual market as HSA-compatible even when the plan would not otherwise meet every traditional HDHP requirement. Eligibility still depends on the person's other coverage and Medicare status.
Direct primary care arrangements
Beginning in 2026, certain direct primary care arrangements do not disqualify an individual from HSA contributions, and HSA funds may pay qualifying direct primary care fees. Statutory fee limits and the arrangement's services matter.
Telehealth relief
HDHPs may cover telehealth and other remote-care services before the deductible without destroying HSA eligibility for plan years beginning after December 31, 2024. The IRS describes this relief as permanent.