Membership and cost
Can I Use My HSA or FSA to Pay for a WheelHouse Health Membership?
The 2026 HSA and FSA rules for direct primary care, explained simply, so you know what you can pay for with pre-tax money before you join.
The 2026 HSA rules in plain English
New federal rules treat direct primary care as compatible with an HSA when the arrangement meets certain requirements, including the monthly fee limits. That means you can keep contributing to your HSA while you are a member, and use HSA money to pay the membership fee if it is within the limits.
How our plans line up
| Plan | Monthly price | Within HSA limit? |
|---|---|---|
| Basic Tele-Health | $85 | Yes (individual) |
| Standard Hybrid | $130 | Yes (individual) |
| Standard Hybrid + partner | $215 | Yes (family) |
| Family / Group | $360 | Above the $300 family limit |
| Premium Concierge | $500 | Above the limits |
Plans above the limits can still be paid with regular funds, and visits and labs may still be HSA-eligible. Rules can be complex, so confirm with your administrator.
FSAs
Flexible spending accounts are set up through your employer and reimburse eligible medical expenses. Many cover visits and labs, and some cover membership fees. Check your plan’s rules.
How we can help
Ask us for receipts any time. Try our HSA and FSA savings calculator to see what a membership costs with pre-tax dollars, and compare plans on our plans page.
To compare out-of-pocket costs with a flat monthly fee, read DPC membership vs insurance costs.
Questions people ask
Can I keep contributing to my HSA if I join?
Under the 2026 rules, a qualifying direct primary care arrangement no longer stops you from contributing. Confirm details with your administrator.
Do labs count as HSA expenses?
Medical lab tests are generally eligible medical expenses.
Is this tax advice?
No. This is general information; please check with a tax professional for your situation.
Talk it through with Lydia
Want to pay for care with pre-tax money? We will help you check your options. See a board-certified nurse practitioner virtually anywhere in Virginia, in our Woodbridge office, or straight to your front door in much of Northern Virginia.
Visits start at $85, and every membership comes with a 30-day trial.
Prefer to ask first? Text us at (571) 402-2102 or message us on WhatsApp.
