Improving Access to Care: The Impact of HDHP Safe Harbor Legislation

The recent reconciliation bill signed into law on July 4 has brought a significant shift in how employees with High Deductible Health Plans (HDHPs) get care when they need it. The new bill has permanently reinstated the HDHP safe harbor, effective retroactively from January 1, 2025. This development is a substantial win for healthcare access advocates, health plans, and employers, as it allows them to continue offering virtual care services to participants in High-Deductible Health Plans (HDHPs) without cost-sharing, thereby preserving their eligibility for Health Savings Accounts (HSAs).

Understanding the HDHP Safe Harbor Provision

The HDHP safe harbor provision is crucial for the approximately 35 million Americans with HDHPs linked to HSAs. Previously, these individuals had to pay out of pocket for healthcare services until they met their deductible, except for preventive care services. With the reinstatement of the safe harbor, employees with HDHPs can now access digital healthcare services without first having met their deductible, improving access to care.

Benefits of the Legislation

This legislation is expected to have a positive impact on both employers and employees. By allowing access to covered telehealth services before meeting the deductible, it enhances the overall wellbeing of employees, maintains a strong and healthy workforce, and provides more flexibility for employees seeking care. Moreover, it results in cost savings for employees, as they do not have to meet the deductible before availing these benefits.

Our Take

CirrusMD’s mission is to make healthcare more accessible and equitable for all. Many employers are willing to cover the cost of virtual care to help their employees lead happier, healthier lives. They can now do so with the passing of this bill; effectively removing barriers for millions of Americans who may have otherwise avoided essential care due to cost. 

If you're interested in exploring ways to expand virtual care access for your employees or want to learn more about how CirrusMD can support your organization's healthcare needs, we invite you to start the conversation with us. Together, we can work towards creating a healthier and more productive workforce.