H.F. 3648 Summary

• Establishes direct primary care service agreements as a non-insurance healthcare arrangement between primary care providers and patients with a monthly direct fee, exempt from insurance regulation under chapters 60A, 62C, 62D, and 62N.

• Permits physicians licensed under chapter 147 and advanced practice registered nurses licensed under sections 148.171-148.285 to offer direct primary care services without obtaining insurance certificates of authority or licenses.

• Direct primary care service agreements must be written, signed by both parties, allow either party to terminate with written notice, specify the scope of services and monthly fees, and clearly state the agreement is not health insurance.

• Prohibits direct practices from declining patients solely based on health status, but allows refusal due to practice capacity limits, inability to provide appropriate care, or patient termination within the preceding year.

• Requires direct fees to represent total compensation for all specified primary care services without variation based on patient health status or sex, with 60 days advance notice required for any fee increases and refund of unearned fees upon termination.