1099 Physicians: Your HSA Options Just Got Better

If you're an independent physician working as a 1099 contractor, your healthcare savings strategy just got a major upgrade.

Starting in 2026, bronze and catastrophic marketplace plans will qualify for HSA eligibility. And telehealth services? They’re now permanently covered pre-deductible.

Here’s what that means for you:

• Lower-cost insurance options that still unlock HSA benefits.

• Immediate telehealth access for your own care.

• Triple tax advantage on healthcare savings (contributions, growth, withdrawals).

Here’s the catch: navigating HSA contributions as a self-employed professional comes with complex tax implications. The rules around income, deductions and compliance can be tricky—and costly if mismanaged.

Are you capturing every advantage while staying compliant?

Not sure? Let’s talk about the specialized financial strategy for healthcare professionals. 

Let’s make sure your HSA setup is working as hard as you do.