If you’re enrolled in an ACA (Affordable Care Act) insurance plan, you’ve likely noticed a steady increase in your premiums over the years. Industry analysts are now forecasting even larger-than-normal rate hikes starting in 2026. For many individuals and families, that means reassessing how to get the most value from every healthcare dollar.
While we don’t provide insurance advice, we can help you explore one solution more and more people are turning to: Direct Primary Care (DPC).
What is Direct Primary Care?
DPC is a membership-based healthcare model where you pay a flat monthly fee—like a subscription—for direct, concierge access to your primary care provider. There are no co-pays, no deductibles, and no hidden costs. Services often include same-day or next-day appointments, extended visits, text access, and basic labs.
Why It Matters in 2026
- ACA Premiums Are Set to Rise.
Market projections suggest that consumers—especially those without subsidies—will see significant rate hikes in 2026. For many, this makes high-deductible plans paired with a DPC membership an increasingly attractive option. - New HSA Law Benefits DPC Members.
Starting in 2026, individuals will be able to use their Health Savings Accounts (HSAs) to pay for DPC memberships. That’s right, no more gray area. That means your pre-tax dollars can go further—making DPC an even smarter investment in your health.
DPC Is Not Insurance, But It’s a Powerful Companion
We’re not an insurance company, and we don’t replace your insurance. But we can be the everyday, reliable care partner that minimizes ER and urgent care visits and reduces your reliance on high-deductible insurance plans.
Who can Benefit Financially from This Approach?
- Families who rarely meet their deductible
- Entrepreneurs or freelancers buying coverage on the ACA marketplace
- Early retirees looking to manage healthcare costs before Medicare
- Small business owners who want to reduce health-related expenses for their team
Final Thoughts
Healthcare doesn’t have to feel complicated—or expensive. As premiums continue to rise, Direct Primary Care offers a refreshingly simple and affordable way to get the care you deserve. And in 2026, it gets even better with HSA eligibility.
Ready to rethink how you care for your health? Explore our Membership Options today and set up your meet and greet with Mikayla Hare, DNP, APRN, FNP-BC or Farah Myers, Family Nurse Practitioner and Diplomate of the American College of Lifestyle Medicine. Call or text us at 317-663-9932.
Located in Carmel, Indiana | Serving Zionsville, Westfield, Noblesville, Fishers & North Indy
