HSA-Qualified Insurance & HealthShare Plans - Understand Your Options
- outreach0686
- Aug 27, 2025
- 3 min read
With the recent expansion of Health Savings Accounts (HSAs) taking effect on January 1, 2026, CCC Health is committed to helping our patients take full advantage of this new opportunity to save on healthcare costs.
HSAs are a powerful tool that let you set aside money tax-free for qualified medical expenses and now, with the expanded rules, more people than ever will be eligible to open one.
At CCC Health, we want to empower you to not only get high-quality, transparent care through our Direct Primary Care model, but also to explore options like opening an HSA account so you can save more, spend smarter, and have greater control over your healthcare dollars.
“HSA plans” are essentially High-Deductible Health Plans (HDHPs) that make you eligible to open and contribute to a Health Savings Account (HSA). These plans are designed to help you take control of both your healthcare and your finances by offering higher deductibles in exchange for:
Lower monthly premiums and reduced out-of-pocket costs.
Tax advantages, potentially lowering your tax bill by up to $2,200 per year.
Freedom to choose how and where to spend your healthcare dollars — encouraging price shopping and provider competition.
In some cases, coverage for alternative, holistic, and preventive treatments, offering flexibility beyond conventional care.
What Are HealthShare Plans?
HealthShare plans are not traditional insurance. Instead, they’re voluntary, membership based programs where people contribute to a shared pool that helps cover each other’s medical expenses. While they work similarly to insurance in practice, they are not regulated like traditional health insurance.
How They Work:
Members pay a monthly “share” (similar to a premium).
There’s often a small Individual Sharing Amount (ISA) (like a deductible) paid by the member first.
After that, eligible medical expenses are shared among members.
Origins & Structure:
Many began as religious or ethical communities (Health Care Sharing Ministries — HCSMs) where members share costs based on shared beliefs.
Non-religious HealthShare options now exist as well.
Why They’re Often Lower Cost:
Not burdened by the same regulations as insurance.
Often serve healthier member pools, which helps keep costs down.
“Limitations:”
Not backed by state insurance regulators.
Often do not cover preexisting conditions, preventive care, or guaranteed essential health benefits.
This limitation can be a benefit in that you can pay directly for preventive care that best fits your individual needs
We still need to do better job of getting coverage for preexisting conditions.
Best of Both Worlds: HealthShare + Direct Primary Care (DPC)
Pairing a low-cost HealthShare plan with a DPC membership gives you the ultimate combination in healthcare: that is —> affordable, everyday access to your doctor for routine and preventive needs, plus financial protection for life’s unexpected medical events.
This model delivers price transparency, provider choice, and peace of mind — all at a fraction of the cost of many traditional insurance plans.
At CCC Health, we believe this is exactly how healthcare should work. Our mission is to restore trust in medicine by putting patients first through clear, upfront pricing, highly personalized care, and uncompromising quality.
Now, with the expansion of Health Savings Accounts (HSAs), you can take this model even further by combining an HSA with a HealthShare plan and our DPC membership to save more, gain more control, and break free from the red tape of traditional insurance.
This approach puts your health, not corporate interests, at the center, making healthcare truly affordable, accessible, and built on trust.
Comments