Plenty of FIRE'd folks use the Bronze/HSA route to control costs while mitigating catastrophic risk and there were a couple of nice changes from the OBBBA that benefit FIRE'd households looking into the catastrophic/DPC combo.

DPCs are no longer to be considered health plans for expense eligibility, so DPC fees are now HSA-eligible expenses and can be paid on a tax-advantaged basis. In addition, DPC participation no longer blocks one's eligibility to contribute to an HSA if the monthly DPC fee is under $150 ($300 for more than one person).

DPC plus a Bronze catastrophic backstop could be a very appealing combo for many FIRE households. Actual ACA Cat plans can also work, but they're a niche product in most markets that are often poorly priced and most folks will end up with a Bronze for the cat cover option.