Expanding Access, Empowering Wellness: What the One Big Beautiful Bill Means for Your Health Savings

As part of the sweeping legislative changes in the recently passed One Big Beautiful Bill Act, significant and long-overdue enhancements are coming to Health Savings Accounts (HSAs) and Dependent Care Flexible Spending Accounts (FSAs). While this bill is broad in scope, the updates related to healthcare access and affordability are especially relevant for individuals and families looking to optimize their well-being.

At Saffron & Sage, we’re committed to helping you navigate these transitions with clarity and confidence. Below, we break down what these policy shifts mean and how they might support your integrative wellness journey.

A Boost for Families: Higher Dependent Care FSA Limits

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Beginning in 2026, families will see a meaningful increase in their Dependent Care FSA contribution limits. The cap will rise from $5,000 to $7,500 — the first permanent adjustment since 1986. This is especially important for working parents balancing career and caregiving. For those filing as married but separately, the new limit will increase from $2,500 to $3,750.

This change offers families more financial breathing room to cover the costs of child care, elder care, and other qualified dependent support services.

HSAs Get Smarter: ACA Plan Compatibility Expands

Starting January 2026, more Americans will gain access to HSA-compatible insurance plans. Individuals enrolled in Bronze or Catastrophic-tier ACA marketplace plans will now be eligible to contribute to an HSA — expanding access to over 7 million people.

This shift allows greater flexibility and long-term tax savings for those managing high-deductible health plans (HDHPs), making preventive and integrative care more affordable and accessible.

Direct Primary Care Now HSA-Eligible

A noteworthy update is the inclusion of Direct Primary Care (DPC) membership fees as eligible HSA expenses. This means individuals can use pre-tax HSA funds to cover up to $150 per month in DPC fees.

DPC models emphasize personalized, continuous care — a natural fit with our philosophy at Saffron & Sage. This expansion allows clients to prioritize consistent, whole-person health without being penalized financially.

Telehealth Stays Flexible

To support evolving healthcare delivery models, telemedicine coverage through HDHPs can now continue before the deductible is met. This change is not only forward-looking but also retroactive to 2025, ensuring those relying on virtual care services won’t lose access to affordable options.

What This Means for Your Wellness Planning

These updates reflect a broader shift toward more adaptable and consumer-friendly health financing. For our members and the greater wellness community, this means more pathways to access quality care, manage costs, and invest in health — without compromise.

Whether you’re building a family, managing chronic conditions, or simply prioritizing your vitality, these financial tools are finally catching up to real-life needs.

Navigating the New Healthcare Landscape

We know these policy shifts can raise questions. Our team is here to help you understand how they impact your benefits, care options, and financial planning.

To explore how these changes might align with your integrative wellness goals — or to learn more about our membership offerings and direct care models — reach out today.

Contact us at 619-933-2340 Or visitwww.saffronsageliving.com Let’s make health and healing more accessible — together.