Direct primary care service agreements established.

HF 1157 clarifies that direct primary care service agreements - where patients pay a flat fee directly to a primary care provider instead of using insurance - are not considered health insurance. This means primary care providers operating under such agreements (like doctors charging monthly fees for services) do not need insurance licenses or comply with insurance regulations. The bill directly affects primary care providers who use this model and their patients who choose direct payment over insurance. It removes these arrangements from Minnesota's insurance oversight, defining terms like "direct fee" and "direct patient" to ensure clarity. The law amends Minnesota Statutes to explicitly exclude these agreements from insurance rules.