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SB 2108

Relating to the inclusion of direct primary care fees as qualified medical expenses applied toward insurance deductibles in certain state health benefit plans.

89th Legislature (2025) Introduced by Bryan Hughes

Bill authorizes Texas state health plans to count direct primary care subscription fees toward insurance deductibles, integrating subscription-based primary care with traditional coverage.

Referred to Finance
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Bill Summary · SB 2108

Legislative bill overview

SB 2108 would allow direct primary care (DPC) fees to count toward insurance deductibles in certain Texas state health benefit plans. Direct primary care is a subscription-based model where patients pay a flat monthly fee directly to a physician for primary care services, bypassing traditional insurance billing. The bill essentially creates integration between DPC arrangements and state-sponsored health plans.

Why is this important

This could reduce out-of-pocket costs for state employees using DPC by allowing their subscription fees to satisfy deductible requirements. It may also incentivize adoption of DPC models, which proponents argue improve access and physician-patient relationships. However, the fiscal impact on state health plans depends on how widely DPC fees would be credited and whether this changes overall plan costs.

Potential points of contention

  • Cost implications: Allowing DPC fees to count toward deductibles could increase state health plan expenses if employees use both DPC and traditional insurance for other services
  • Plan design complexity: Integrating DPC fees into traditional deductible structures may create administrative and billing complications for state plan administrators
  • Equity concerns: DPC models may primarily benefit higher-income employees who can afford additional subscription fees, potentially creating two-tiered access within state plans

Compiled from official sources — confirm details with the bill’s official record.

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