The $150 Cliff Your HSA Doctor Forgot to Mention
Congress opened a door this year. Starting January 2026, you can pair your Health Savings Account with a Direct Primary Care membership. DPC is that flat-fee doctor deal. You pay $80 or $100 a month. You get unlimited visits. No insurance games. No copays. Just you and a doctor who picks up the phone.
Everyone cheered. The financial press wrote it up as a win. And it is a win. With one very quiet condition.
The Wall
The monthly fee cannot exceed $150 for an individual or $300 for a family. Not $151. Not $150.01. This is not a sliding scale. It is not a partial exemption. It is all or nothing.
At $150, your HSA stays open. You contribute. You deduct. Life is good.
At $151, your DPC membership becomes "disqualifying coverage." Every dollar you put into your HSA during those months becomes an excess contribution. You didn't break a rule on purpose. You just signed up for the wrong tier.
The Twist
Here's where the pipes cross. Even if your DPC fee is above $150, you can still spend HSA money on it. The IRS says fees above the cap are qualified medical expenses. You can reimburse yourself from the account. No problem.
You just can't put new money in.
Two pipes. They look connected. They run to different places. One lets cash flow out. The other one locked shut. And nothing on your HSA dashboard tells you which pipe closed.
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The Void
Your HSA custodian has no legal obligation to verify your eligibility. Your employer is not responsible for monitoring outside coverage. Your DPC practice has no idea you have an HSA. They don't ask. They don't check. They bill you and treat you.
You are the only fuse in this circuit. Nobody told you.
I mean, think about how this plays out. You're 62. You sign up for a DPC practice. The base rate is $90 a month. Fine. But DPC practices price by age. Patients over 65 pay $80 to $120 a month. You turn 66. The practice bumps you to the senior tier. Now you're at $120. Still fine.
Then they add a lab package. Or a chronic care fee. Or you join a second DPC practice for a specialist, and the cap is aggregate across all your DPC arrangements. Your total crosses $150.
Nobody sends you a letter. Nobody flags the contribution. The cash keeps flowing into your HSA on autopilot. Every deposit is now illegal.
The Number
Excess HSA contributions trigger a 6% excise tax under IRC §4973. Every year. Until you fix it.
This is not a penalty. It is a tax. That distinction matters. Penalties can sometimes be waived for reasonable cause. You call the IRS. You explain you didn't know. They say sorry. A tax is a tax. It cannot be waived. It repeats. You owe 6% on the excess contribution for every year it sits there.
You contributed $4,400 in 2026. All of it excess. That's $264 the first year. You don't catch it. Another $264 the next year. And the next. It stacks until you pull the money out.
And about 10% of DPC practices already charge between $150 and $200 a month. Some concierge practices that look like DPC charge $2,000 to $5,000 a year. They market the same way. Flat fee. Unlimited visits. Personal doctor. But they don't qualify. They never did.
The emergency order nobody's talking about
Last week, wholesale electricity prices in Northern Virginia spiked from $40 to over $2,000 per megawatt-hour.
In one afternoon.
The largest power grid in America - serving 67 million people - declared an emergency.
The government ordered power plants to ignore pollution limits and run at maximum.
Factories were told to shut down.
All because of a heat wave and too many data centers pulling power from a grid that can’t keep up.
Solar couldn’t help. It was evening. Wind was dead.
Three miles underground, the temperature hasn’t changed in 4.5 billion years.
It doesn’t care about the weather. It runs at midnight, in a heat wave, in a blizzard.
Always.
One company has spent sixty years building the only system that can tap it.
Google just locked in 15 years. Gates wrote the check.
August 18th, a federal auction could hand them the territory where their crew already broke every drilling record.
The grid is breaking. This company has the fix.
P.S. The government just declared a power emergency for the largest grid in America. The one energy source that could have prevented it?
The One Door Out
You can fix this. Pull the excess contributions out before your tax filing deadline. April 15. October 15 if you file an extension. Do it in time and the 6% never hits.
But you have to know to look. And the system built a door with no frame. You walk through. Nobody checks if you fit.
Right.
