Question 1

Is Direct Primary Care legal in Texas?

Accepted Answer

Yes. Texas has had a dedicated DPC law since 2015. HB 1945 first put it on the books, and effective June 20, 2025, it was recodified as Texas Occupations Code Chapter 117 ("Direct Patient Care"), §§ 117.001–117.003. The updated version now covers care delivered by telehealth too. Read the statute.

Question 2

How much does Direct Primary Care cost in Texas?

Accepted Answer

Adult DPC memberships in Texas typically run $49–$149 a month. Family plans cost less per person, and kids' memberships come in cheaper too. With 394 practices across the state, pricing varies a lot by city and practice, so it's worth comparing. Browse Texas practices to see real prices near you.

Question 3

Is a DPC membership considered insurance under Texas law?

Accepted Answer

No. Section 117.003 says a direct patient care agreement isn't insurance. It's not subject to regulation by the Texas Department of Insurance, so a DPC practice doesn't need to be licensed as an insurer to operate.

Question 4

Can a Texas DPC doctor also bill my insurance for the same services?

Accepted Answer

No. The statute, carried over from former § 162.254, bars the practice from billing an insurer or HMO for services already covered under the agreement. Your periodic fee is the payment for those covered services, full stop.

Question 5

What disclosures is a Texas DPC practice required to provide?

Accepted Answer

A written agreement spelling out what's covered and what it costs. The practice has to give you a written agreement describing the covered services and the fee, and it has to disclose that the agreement isn't insurance (carried over from former § 162.256).

Question 6

Can I use my HSA to pay for DPC in Texas?

Accepted Answer

Yes, starting in 2026. A new federal law lets you pay DPC membership fees of up to $150 a month (individuals) or $300 a month (families) from a health savings account, and a DPC arrangement at or below that fee no longer disqualifies you from HSA eligibility. That's a nationwide change, so it covers Texas too.

Question 7

Can I use my HSA to pay for DPC in Texas?

Accepted Answer

Yes. Starting in 2026, federal law lets you pay DPC fees with HSA funds. You can put HSA money toward a DPC membership of up to $150 a month for an individual or $300 a month for a family, and staying at or under that fee no longer disqualifies you from HSA eligibility. That applies nationwide, Texas included.

Question 8

Do I still need health insurance if I join a Texas DPC practice?

Accepted Answer

Yes. DPC covers everyday care, not hospital stays. It won't cover hospitalizations, ER visits, specialist care, or surgeries, so most Texas DPC members pair their membership with a high-deductible health plan for that coverage. Learn how DPC fits into your coverage.

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Texas DPC laws & FAQ

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