2026 Health Insurance Costs Are Rising-How New HSA Rules & Grove Family Health's Direct Primary Care Saves St Mary's County Businesses Money
- Sheri Dean
- Sep 19, 2025
- 3 min read
Updated: Oct 3, 2025
What if you could cut your insurance premiums, boost employee benefits, and make healthcare simpler, all at the same time?
If you, as a business owner, were to shift your health insurance from a high-premium, low-deductible plan to a lower-premium, high-deductible option, you would free up resources that can be redirected to smarter benefits. Pair this move with an HSA, FSA, or HRA, set up with your tax professional, and your employees gain powerful financial tools for healthcare spending.
Now add Grove Family Health as your direct primary care partner. Your team gains unlimited access to high-quality, accessible care, while you benefit from a solution that strengthens retention and recruitment. Even better, you can extend family coverage for a fraction of traditional insurance costs.
The result: lower premiums, healthier employees, and tax savings, all while providing high-quality care.
Across the country, businesses are facing a harsh reality: the cost of providing health insurance is going up, and it’s not slowing down anytime soon. Employers are preparing for some of the steepest increases in over a decade, with forecasts indicating that health insurance premiums could rise by as much as 9% in 2026. For local businesses here in St. Mary’s County, those numbers hit close to home. Rising costs don’t just strain budgets; they affect the benefits you’re able to offer and the overall well-being of your employees.
There’s reason for optimism soon. New legislation is reshaping the use of Health Savings Accounts (HSAs). Under these changes, HSAs would be allowed to cover Direct Primary Care (DPC) membership. Employers now have more flexibility than ever to design benefits that genuinely work for their teams. With HSA as well as the options to use other tools like Flexible Spending Accounts (FSAs) and Health Reimbursement Arrangements (HRAs) to provide pre-tax healthcare saving plans to pair with a Direct primary care like Grove Family Health. That means businesses and employees can use pre-tax dollars to pay for their Grove Family Health membership.
Grove Family Health, as a Direct Primary Care practice, is dedicated to building a strong relationship between the provider and patient, providing employees with fast and reliable access to care when they need it most. Imagine your staff being able to call their healthcare provider directly, book same-day appointments, and address concerns before they escalate into costly ER or urgent care visits. Not only does this approach keep employees healthier and more productive, but it also helps businesses avoid the ballooning costs of traditional insurance-heavy models.
DPC offers predictable costs, helping to reduce high insurance premiums, which can be a substantial financial relief for small businesses compared to traditional insurance. In most cases, insurance premiums are reduced because employees have access to their primary care when they need it, not two weeks from now.
At Grove Family Health, our mission is to deliver health care the way it once was. We’ve built our practice around accessibility, personalized attention, and proactive primary care. For employers, it’s a way to offer something meaningful that also makes financial sense in a time when every dollar matters.
If you would like to talk more about how Grove Family Health can fit into your business’s financial savings, tax, and healthcare strategy, reach out today.
Visit us at https://grovefamilyhealth.net,
email Aaron at aaron@grovefamilyhealth.net, or call 801-920-5422.
We’d be glad to show you how a local solution can make a national problem a little easier to handle.
References
--Reuters: “U.S. employee health insurance premiums to rise 6% next year Mercer says”
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--Wall Street Journal: “Health Insurance Costs Are Climbing at the Fastest Rate in Years”
--Becker’s Payer: “The forces driving 2026 health insurance price hike forecasts”
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--Society of Actuaries: "Direct Primary Care: Evaluating a New Model of Delivery and Financing"
--Hint Health: "Direct Primary Care Is Delivering Real Cost Savings for Employers"
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