Question 1

Is Direct Primary Care legal in Idaho?

Accepted Answer

Yes. Idaho has had a dedicated DPC law since 2015. SB 1062 (the Idaho Direct Primary Care Act) passed on April 9, 2015, making Idaho the 10th state with DPC legislation. It's codified at Idaho Code §§ 39-9201 et seq. in Title 39, Chapter 92.

Question 2

How much does Direct Primary Care cost in Idaho?

Accepted Answer

Adult DPC memberships in Idaho typically run $55–$139 a month. Family plans usually cost less per person, and kids' memberships come in cheaper than adult ones. Pricing varies by city and practice, so browse Idaho practices to compare real numbers.

Question 3

Is a DPC agreement considered insurance under Idaho law?

Accepted Answer

No. Idaho law explicitly says a direct care agreement is not insurance. Under § 39-9206, "direct care agreements are not subject to regulation as insurance under Title 41, Idaho Code." That places DPC outside the reach of Idaho's insurance regulatory framework.

Question 4

Can an Idaho DPC doctor also bill my insurance for the same services?

Accepted Answer

No. Under § 39-9205, an Idaho DPC practice can't bill your insurer for services already covered by your agreement. No. Under § 39-9205, a DPC practice can't bill a third-party insurer for services already covered under your direct care agreement. Your periodic membership fee is the full payment for those services.

Question 5

What must an Idaho DPC agreement include?

Accepted Answer

Under § 39-9204, it must be a written, signed agreement spelling out covered services, fees, termination rights, and required disclosures. Under § 39-9204, the agreement has to be written and signed by both parties, describe the covered services and the periodic fee, allow either party to terminate, include required patient disclosures, and cap prepayment at no more than 12 months of fees.

Question 6

Does Idaho have any prior law on "not insurance" exemptions that support DPC?

Accepted Answer

Yes. Idaho's § 41-121 exemption for health care sharing ministries already established that periodic-fee health arrangements aren't insurance. Yes. Idaho also has a statutory exemption for health care sharing ministries at § 41-121, which similarly makes clear that certain periodic-fee health arrangements aren't insurance. That adds legal context supporting the DPC framework in the state.

Question 7

Do I still need health insurance if I join an Idaho DPC practice?

Accepted Answer

Yes. DPC isn't a replacement for health insurance. It covers most day-to-day primary care but not hospitalizations, ER visits, specialist care, or surgeries. Most Idaho DPC members pair their membership with a high-deductible health plan for that coverage. Learn how DPC fits into your coverage.

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Idaho DPC laws & FAQ

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