Big news is coming for anyone using Marketplace health plans. Starting January 1, 2026, several key updates will reshape how Health Savings Accounts (HSAs) work—creating greater access and flexibility.
1. Broader HSA Eligibility for Marketplace Plans
Beginning in 2026, all Marketplace Bronze and Catastrophic plans will be classified as HSA-compatible. Previously, only select Bronze plans qualified. This change opens the door for more individuals and families to take advantage of those tax-benefits.
2. Direct Primary Care (DPC) Is Now HSA-Compatible
If you’re enrolled in a DPC arrangement, you can pay a fixed monthly fee—up to $150 (individual) or $300 (family)—without jeopardizing your ability to contribute to an HSA. These payments now count as medical expenses, making it easier to pair proactive care with tax-smart savings.
3. Telehealth “Safe Harbor” Goes Permanent
Good news for telehealth users—HDHPs can cover telehealth visits before the deductible and still qualify for HSAs. This rule is now permanent and retroactive for plan years beginning after December 31, 2024.
What Doesn’t Change
These updates apply only to Marketplace plans. If you’re enrolled in off-exchange Bronze plans or group Bronze plans, you’ll still need to meet the regular HDHP criteria to maintain HSA compatibility.
Heads-Up for 2026
If you’re planning for 2026, keep these contribution limits in mind:
- Individuals: Up to $4,400
- Families: Up to $8,750