The Direct Medical Care Freedom Act allows individuals who participate in direct medical care arrangements to continue using Health Savings Accounts (HSAs), which they currently cannot do. Direct medical care arrangements are subscription-based relationships where patients pay a fixed periodic fee directly to doctors, nurse practitioners, or physician assistants for ongoing care, without going through traditional insurance. The bill treats these direct-pay arrangements as separate from health insurance plans, meaning people can maintain HSA eligibility while using them alongside high-deductible health plans. Additionally, the legislation requires employers to report the fees employees pay for these arrangements on their W-2 forms. The changes take effect for months beginning after December 31, 2024.
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