Bill > SF3162

This bill clarifies that direct primary care agreements (DPCAs) are not considered insurance in Minnesota. Specifically, the bill establishes that DPCAs are exempt from regulation under insurance chapters and do not constitute health plans, insurance policies, subscriber contracts, or health maintenance contracts. The bill provides a detailed definition of a direct primary care agreement, which includes seven key requirements: (1) a written agreement between a patient and primary care provider, (2) the ability to terminate the agreement without penalty with up to 60 days' notice, (3) a description of health care services provided in exchange for a periodic fee, (4) specification of fees, (5) allowance for third-party fee payment, (6) prohibition on charging additional compensation for included services, and (7) a clear statement that the agreement is not health insurance. The bill will apply to agreements issued, offered, or renewed on or after July 1, 2025, providing clarity and regulatory relief for direct primary care providers and patients by explicitly distinguishing these agreements from traditional health insurance products.

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https://www.revisor.mn.gov/bills/bill.php?b=Senate&f=SF3162&ssn=0&y=2025