Direct primary care agreements are not insurance clarification; direct primary care agreement definition establishment

This bill clarifies that direct primary care agreements (where patients pay a periodic fee for primary care services) are not considered health insurance or subject to insurance regulations. It defines a "direct primary care agreement" as a written contract between a patient and provider that includes specific terms: no termination fees, clear periodic fees for defined services, prohibition on extra charges for included services, and a prominent statement that it is not insurance. The bill exempts these agreements and providers from Minnesota's insurance regulations (chapters 60A-72A) when the agreement meets all defined requirements. It applies to agreements issued, offered, or renewed on or after July 1, 2025.