Good News: Starting in 2026, You Can Use HSA Funds to Pay for Your InTouch Membership
A new federal law allows you to use before-tax money from a Health Savings Account (HSA) to cover your membership at InTouch Primary Care. That means you can save hundreds in taxes while still getting personalized care from Dr. Ashaye—without insurance hassles.
Step-by-Step: How to Take Advantage of This Change
Step 1: Check If You’re Eligible for an HSA
To open and contribute to an HSA, you must have a High-Deductible Health Plan (HDHP).
Find out if your plan qualifies here: Healthcare.gov – HSA and HDHP Eligibility
If you’re unsure, call your insurance company and ask: “Is my plan HSA-eligible?“
Step 2: Open an HSA (or Use One You Already Have)
If you qualify, open an HSA through your bank, credit union, employer, or trusted platforms like:
- Fidelity
- Lively
- HSA Bank
Step 3: Start Saving (Now!)
You can put money into your HSA now – even though you can’t use it for DPC membership until 2026. Any money you save now rolls over year to year – you won’t lose it.
2025 Contribution Limits:
- You can add up to $4,150 if your health plan only covers you
- Up to $8,300 if your plan covers you and at least one other person
- If you’re 55 or older, you can add $1,000 more
What this means:
That’s money you don’t pay taxes on. It grows tax-free and can be used for care expenses—including DPC membership starting in 2026.
Step 4: Join InTouch Primary Care
Our membership includes:
- Same- or next-day appointments
- Longer, unrushed visits
- Direct access to Dr. Ashaye by text, email, or phone
- Personalized plans and lifestyle coaching
- Discounts on labs, imaging, and supplements
- Transparent pricing—no surprise bills
How HSA applies (starting 2026):
- Use up to $150/month for individual memberships
- Use up to $300/month for family memberships
If your membership costs more, you can pay the difference with a debit/credit card or bank transfer
Example Tax Savings
Let’s say you pay $1,800/year for your membership (that’s $150/month):
- If you’re in a 22% tax bracket, you save about $400 in taxes
- If you’re in a 35% bracket, your savings could be $630 or more
That’s real money back in your pocket—just for investing in your health.
Frequently Asked Questions
Yes! You do not need insurance to become a member at InTouch Primary Care.
Some of our members have no insurance at all. Others keep insurance but choose InTouch because they want more time, more access, and more personalized care.
Our membership is open to anyone—no insurance required.
No, while you don’t need insurance to join our membership—and you don’t need to cancel your current plan either.
In fact, many members choose to keep a basic insurance plan (like a high-deductible plan) to help cover services we don’t provide, such as:
- Emergency care
- Specialist visits
- Hospital stays or surgeries
- Advanced imaging (CT scans, MRIs)
- Prescription medications
Your InTouch membership covers your everyday primary care-personalized, accessible, and hassle-free. Insurance can still play a role for the bigger, unexpected needs.
Yes, many of these qualify for HSA use if medically necessary. We can provide receipts if needed.
Yes. We’ll provide documentation if requested so you can stay compliant with HSA rules.
Meet Dr. Adelola Ashaye
My interest in the medical field was first sparked when I was in high school, by my observation of a patient-doctor relationship. Many years have passed since that interaction which took place at Alpena General Hospital in Michigan; and it is the desire to build and maintain meaningful long lasting relationships that continues to draw me to medicine.
Final Note from Dr. Ashaye
At InTouch Primary Care, we’re committed to giving you the personalized, respectful care you deserve – no matter what your insurance situation is.
With the new HSA law going into effect in 2026, you’ll have another powerful way to save money and stay healthy.
Have questions or want help getting started?
Call us or schedule a free info call. We’re here to help.