Claiming to be open 24/7 can become a breach-of-contract trap, warns Dr. Phil Eskew. He maps the three ways states treat workers' comp inside a DPC membership, plus the malpractice tail and clawback bonus clauses residents should spot before signing.

A Texas physician cannot dispense to a patient who lives a minute away, but can watch that patient swallow a pill in the office instead. Dr. Phil Eskew explains the administering loophole and why Minnesota, Maryland, Utah, and Mississippi each run entirely different dispensing rules.

As of January 1, 2026, Direct Primary Care no longer disqualifies patients from HSA eligibility, as long as the membership fee stays at or below $150 a month for one person, $300 for a family. Miss the December 1, 2026 filing deadline, though, and a Medicare opt-out slides a full quarter.