Direct Primary Care
&gt; It achieves lower costs in large part by cutting out the middle man of health insurance for basic services.<p>Is it <i>actually</i> lower cost? The cash fee for a PCP visit and what insurance <i>actually</i> pays are drastically different. If you&#x27;re paying a membership fee just to get the same sort of rates insurance pays out at, there&#x27;s no win here.<p>&gt; A little known provision of the ACA makes Direct Primary Care a kind of legal loophole. When combined with a high deductible health plan or health savings account, Direct Primary Care can meet the requirements for basic coverage, thus getting you out of the tax penalty for not being properly covered.<p>That&#x27;s not a loophole. That&#x27;s &quot;pay extra&quot;. You&#x27;d still need at least a Bronze plan, and any visits that bill against your DPC won&#x27;t count towards your annual deductible or out-of-pocket caps.