Relating to preferred provider benefit plan out-of-pocket expense credits for payments made by an insured directly to a physician providing direct primary care.

HB 3414 requires insurers offering preferred provider plans to count direct payments made by patients to physicians providing direct primary care as covered expenses toward the patient's annual out-of-pocket maximum. This means payments for direct primary care services (where patients pay a physician directly, often through a flat fee) will count toward the deductible, reducing the patient's total out-of-pocket costs. The law applies only to preferred provider plans delivered, issued, or renewed on or after January 1, 2026, and takes effect September 1, 2025. It directly affects patients using direct primary care models and insurers managing these specific health plans.