KevinMD January 16, 2026
Recent federal policy discussions have introduced a framework that would place health care affordability dollars into individual-controlled accounts rather than routing them through insurers or employer benefit plans. Still at the framework stage and requiring legislative action, the architecture being explored signals a potential shift in how health care purchasing power flows through the system.
Whether or not this specific framework advances, the direction of travel is clear. Health care purchasing power is moving closer to the individual. When control of dollars shifts, markets reorganize. For membership-based practices, the key question is not whether this policy passes. It is whether DPC and concierge practices have been building health care practices or retail businesses.
That distinction now matters.
From third-party payer...
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