MO HB769

Medical retainer agreements are defined as contracts between a licensed physician and an individual patient where the physician provides specified health care services for an agreed-upon fee and time period

Medical retainer agreements are explicitly excluded from insurance regulation under Chapter 376, and physicians do not need a certificate of authority or license to market or sell these agreements

Valid agreements must be in writing, signed by both parties, allow termination by either party with written notice, describe specific services, specify fees and time periods, and prominently state the agreement is not health insurance

Patients with HSAs, FSAs, or HRAs may use those accounts to pay medical retainer fees, subject to applicable federal and state laws on qualified expenditures

Employers may contribute to employees' HSAs, FSAs, or HRAs to cover retainer fees, or pay the fees directly to the physician