OffPlan Opened Enrollment at $145 a Month. The Federal Cap on a Single-Person HSA-Compatible DPC Membership Is $150.

A direct primary care membership covering one person and priced above $150 a month costs that patient the ability to put new money into a health savings account. OffPlan opened enrollment on September 1 at $145.

Five dollars of clearance. Deliberate or not, the price lands inside a federal limit that matters to anyone paying with an HSA. What the rest of the launch says about the buyer is the more useful part.

What actually opened

OffPlan launched on September 1 in South Florida, Northern Virginia and the Atlanta Metro area. Individuals, families, self-employed professionals, 1099 and gig workers, and employers with up to 250 employees can enroll in any of the three markets. The announced price is $145 a month for adults 18 and older and $70 a month for eligible children, with no copays or deductibles on OffPlan services.

The press release headline says three states. The markets are three metros. In Georgia, SaportaReport counts participating physicians in Fulton, DeKalb, Cobb and Forsyth counties, which is four counties inside metro Atlanta. Enrollment is open year round rather than at a fixed season, and the membership is for people who are not yet eligible for Medicare.

OffPlan says the membership is not health insurance and is built to sit alongside it. In June the company raised a $2.5 million seed round and named Florida and Virginia as its first two states. Eleven weeks later the map is three metros in three states, which is a smaller footprint described in bigger language.

The number under the ceiling

Congress made DPC memberships HSA-compatible through the One Big Beautiful Bill Act, and IRS Notice 2026-05 set the mechanics that took effect January 1, 2026. The rules are specific about money. A qualifying arrangement’s monthly fee cannot exceed $150 for individual coverage or $300 for an arrangement covering more than one person. Past those limits a patient can still spend existing HSA dollars on the fee, but new contributions stop. Both caps adjust for inflation after 2026.

So $145 clears. A child at $70 clears. A household of two adults and two children, priced at those rates, comes to $430 a month, which is well past the $300 ceiling for an arrangement covering more than one person. How OffPlan structures a family membership decides whether that household keeps contributing to an HSA, and a member with a spouse and two kids would want that answer before enrolling.

What the premium buys

The DPC Alliance’s 2026 State of DPC survey drew 465 responses from physician-owned practices nationwide and put the national average membership near $98 a month. That average hides a lot of spread. The West runs highest and the Midwest lowest, and practices with small panels charge more on average than practices with large ones.

OffPlan’s $145 sits above that average, and the difference is the product. Every member gets a concierge who arranges specialists, labs and imaging at prices set in advance and paid directly to the provider. The company’s own business pages describe unlimited visits, chronic disease management, basic labs, telehealth and same-day access with no copay, delivered through physician-owned practices, plus hospital indemnity and accident coverage for employers who want cash benefits below a self-funded plan’s stop-loss attachment point.

The concierge is the part DPC physicians should read closely. When OffPlan raised its seed round in June, the open question was whether patients could follow a benefit structure with three moving parts. The company’s answer is a person who makes the calls, rather than a portal that lists prices. That is a payroll line, and it has to stay affordable at $145 a member while the specialty rates it negotiates hold up in three separate metro markets.

Who the product is for

The Medicare boundary is the sharpest constraint in the launch. A membership designed for people who are not eligible for Medicare is selling to working-age adults and their children. The 250-employee ceiling points the same direction. That ceiling also describes a sales motion, because in a company that size a benefits consultant can move everyone onto something new in a single conversation.

None of that is a criticism of the design. It is a description of a company that has picked a narrow, well-defined customer and priced to a federal number that customer cares about.

The Open Question

Whether a platform-intermediated membership qualifies as a DPC arrangement is a question the IRS notice does not address. The guidance describes an arrangement whose fixed periodic fee is the sole compensation for primary care services, and OffPlan sits between the member and the physician-owned practice that delivers the care. The company’s own language is carefully conditioned: the launch announcement says an individual OffPlan Personal membership “is designed to preserve HSA eligibility when paired with a qualifying plan, subject to applicable federal requirements.”

That question reaches past one startup. Notice 2026-05 asked for comments on all aspects of the guidance, and that window closed on March 6, 2026, so the definitions that would settle it are still open. A membership sold through a platform rather than by the practice itself sits in that gap until they close.