Employers, It’s Time to Rethink Your Health Benefits — Before Open Enrollment

What if you could offer better healthcare access to your employees—or yourself—while saving money and simplifying the entire process?

As a family physician and owner of Body Mind Spirit DPC, I’ve had the privilege of working with individuals, families, and businesses seeking a better way to deliver healthcare. Whether you're a small business owner, self-employed, or managing benefits for a team, now is the perfect time to take a fresh look at your healthcare strategy.

And here’s the good news: it’s never been easier—or more cost-effective—to build a benefits plan around Direct Primary Care.

How DPC Saves Businesses Thousands

At its core, Direct Primary Care offers unlimited access to your primary care physician for a low monthly membership fee. This means no insurance billing, no copays, no hidden costs. Just personalized, relationship-based care.

For employers, this model brings real savings.

• Lower claims and premiums: When employees can access their doctor directly, they avoid unnecessary urgent care and ER visits. This reduces claims, especially for self-funded or partially self-funded plans.

  
  

• Fewer sick days: Same-day or next-day access to a physician means your team stays healthier and gets back to work faster.

  
  

• Wholesale and negotiated pricing: At Body Mind Spirit DPC, members can access labs and generic medications at wholesale pricing—and we help coordinate negotiated pricing for advanced imaging like CTs and MRIs, dramatically reducing the cost of care.

  
  

• Simplified administration: No insurance paperwork. No prior authorizations. No time lost navigating complex billing systems.

  
  

Businesses that integrate DPC into their employee benefit plans—especially when paired with high-deductible or self-funded insurance models—have seen savings ranging from 20–30% or more on their healthcare spending.

A Major Legislative Win: DPC and HSAs, Finally Together

Until recently, employees who contributed to a Health Savings Account (HSA) were often told they couldn’t also be part of a Direct Primary Care practice. But in 2025, that changed.

Thanks to new federal legislation, starting January 1, 2026, DPC memberships will officially be recognized as a qualified medical expense under the IRS tax code.

Here’s what that means for you:

• DPC is no longer a disqualifier for HSA contributions when paired with a High Deductible Health Plan (HDHP).

  
  

• Employees can use HSA funds to pay for their DPC membership, up to $150/month for individuals or $300/month for families.

  
  

• Employers can design benefit plans that incorporate DPC memberships and allow employees to pay with pre-tax dollars—creating an even greater financial advantage.

  
  

This long-awaited change opens the door for businesses to build smarter, more affordable, and more meaningful benefit packages—especially for small businesses, entrepreneurs, and the self-employed.

Who Should Be Thinking About DPC Right Now?

If you fall into one of these categories, now is the time to act—before open enrollment begins:

• Small businesses looking to offer health benefits for the first time

  
  

• Self-funded or level-funded employers searching for ways to cut rising healthcare costs

  
  

• Self-employed individuals struggling with high premiums and limited access

  
  

• Companies frustrated by expensive PPO plans that still leave employees with poor access and high out-of-pocket costs

  
  

DPC gives you more value with fewer barriers. And now that it's HSA-compatible, it’s a win-win for employers and employees alike.

Not Sure Where to Start?

If your current insurance broker or benefits advisor hasn’t talked to you about DPC—or doesn’t know how to incorporate it into a modern benefits plan—I’d be happy to help.

• I’m available to join a meeting with your current broker to explore how DPC can work for your team.

  
  

• Or, if you need a referral, I can connect you with benefits consultants who specialize in DPC-centered plan design.

  
  

Let’s work together to find the right fit for your business, your employees, and your budget.

Ready to Build a Better Health Plan?

Don’t wait for another open enrollment cycle to pass you by. The tools are here. The savings are real. The access is better.

At Body Mind Spirit DPC, we’re ready to help you reimagine what healthcare can look like for your business—more personal, more affordable, and more sustainable.

To learn more about how Direct Primary Care can benefit your business, contact us today at 859-287-2827 or visit www.bodymindspiritdpc.com/employers.