Direct primary care agreements clarified to not be health insurance.

HF 2880 clarifies that direct primary care agreements - where patients pay a periodic fee directly to a primary care provider for services, instead of using health insurance - are not considered health insurance under Minnesota law. The bill defines these agreements as written contracts meeting specific requirements, including no penalties for early termination, clear service descriptions, and a prominent disclaimer stating the agreement isn’t insurance. It exempts such agreements and providers from health insurance regulations in chapters 60A-72A of Minnesota Statutes. This directly affects patients choosing this payment model and primary care providers offering it, reducing regulatory oversight for these arrangements. The changes take effect for agreements issued or renewed on or after July 1, 2025.