PA HB2096

Establishes that physicians providing direct primary care through medical service agreements are not considered insurers or health maintenance organizations and are exempt from Insurance Department regulation

Defines medical service agreements as written contracts where physicians provide primary care services for a direct fee (monthly retainer, membership fee, or per-visit charge) for a specified time period

Requires medical service agreements to be signed by both parties, specify covered services and fees, allow termination by either party, and include a disclaimer stating the agreement is not comprehensive health insurance

Permits patients to pay medical service agreement fees using health savings accounts (HSAs) or flexible spending accounts (FSAs), subject to applicable federal and state law

Allows physicians in collaborative practices to use other licensed health care practitioners to provide primary care services under these agreements if within their scope of practice