HSA
Your daily healthcare is now a tax write-off.
Recent federal tax updates mean you can now use pre-tax HSA dollars to fund your OffPlan membership, keeping your everyday medical care completely tax-free.
How It Works
The new rules
on tax-free
healthcare.
When you pair your OffPlan membership with an HSA-eligible Bronze or Catastrophic plan, you unlock a powerful savings driver for your household. The federal government grants these accounts a triple tax advantage, meaning your money is entirely exempt from taxes when it goes in, as it grows, and when it comes out to pay for medical care.
This tax benefit applies only when OffPlan is paired with an HSA-eligible Bronze or Catastrophic plan. If you pair OffPlan with nothing, or with a health share, there is no HSA to use. A licensed agency partner makes sure your floor is HSA-eligible so this strategy works for you.
The 2026 Contribution Limits
For the current tax year, the IRS allows you to maximize your tax-free savings up to these exact limits:
Individual Limit: Save up to $4,400 per year in pre-tax dollars.
Family Limit: Save up to $8,750 per year in pre-tax dollars.
Catch-Up Contribution: If you are 55 or older, you can contribute an additional $1,000 on top of those limits.
The membership write-off: You can now pay your monthly OffPlan membership dues directly out of your HSA pre-tax up to $150 per month for an individual, or up to $300 per month for a family. Because all our current individual and family membership plans sit safely below these federal caps, your entire OffPlan subscription qualifies for pre-tax status.
What this means for you.
Just off a Parent's Plan
You barely use the medical system, so your high-deductible plan leaves most of your money untouched. Put that pre-tax cash into an account that compounds for decades instead, while OffPlan still gives you a real doctor whenever you actually need one.
Self-Employed & Business Owners
You already pay out of pocket for your own security, so let the tax code work in your favor for once. Fund your care, protect your household or your team, and build a cushion, all pre-tax.
Managing a Family Household
Pre-tax dollars covering checkups, prescriptions, and everyday costs means your household budget stretches further. That's real breathing room to build an emergency fund that stays with your family.
Self-Employed Tax
Three tax advantages worth knowing.
If you are self-employed, an eligible floor plan paired with an HSA unlocks three tax advantages most people on the individual market never claim together.
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Your premiums are tax-deductible:
The self-employed health insurance deduction lets you subtract your health plan premiums from your taxable income, above the line. There are conditions, you need self-employment income and cannot be eligible for a subsidized employer plan through yourself or a spouse, and the deduction is limited to your net self-employment earnings.
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HSA contributions are also deductible:
Same money, lower tax bill, growing tax-free. The 2026 limits are $4,400 individual and $8,750 family, with an extra $1,000 catch-up at age 55 and older.
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Your worst case is capped:
The 2026 in-network out-of-pocket maximum is $8,500 for an individual or $17,000 for a family. After that, the plan pays 100 percent of covered in-network care for the rest of the year, the bankruptcy-prevention floor that keeps a bad health year from taking down your income too.
None of these advantages exists on their own. They only work when the floor plan and the HSA are paired, and that is exactly what we help you put in place.
How To Set It Up
How to open one, step by step.
Opening an HSA is about as involved as opening a savings account, and it is not insurance, so there is no agent and no waiting window. The only rule is that the eligible plan has to come first.
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Get your HSA-eligible plan in place
Our licensed agency partner helps you place the Bronze or Catastrophic plan that makes you HSA-eligible. You cannot open or fund an HSA until this is done.
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Open the account
Choose an HSA custodian and open the account online in a few minutes. Most major banks offer them, and there are dedicated HSA custodians like Fidelity, Lively, and HealthEquity. We will point you to a few reputable options at enrollment.
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Fund it and use it
Contribute up to the 2026 limit, set up your OffPlan Care membership to draw from it within the monthly cap, and keep the rest invested and growing for when you need it.
This page provides educational resources regarding recent regulatory changes. It does not constitute individual tax or financial advice. We always recommend consulting a certified tax advisor regarding your personal household financial strategy.
Stop overpaying for healthcare.
See how an HSA-eligible membership can help reduce your healthcare spending and unlock valuable tax advantages.
Find Your PlanNeed help evaluating your current coverage? Talk to our team.