<p>Proposal for a <strong>Direct Primary Care (DPC)</strong> health innovation plan in Florida, structured as a letter to &quot;Doug&quot; about the &quot;Big Idea&quot; of separating routine medical care from expensive insurance. The core proposal focuses on using Florida&#39;s existing law (624.27), which states that a monthly doctor membership fee is <strong>not considered insurance</strong>, thus freeing DPC doctors from strict regulatory burdens. The plan suggests using a <strong>federal 1332 waiver</strong>to reroute a portion of Affordable Care Act subsidies toward a &quot;voucher&quot; for these DPC memberships, paired with <strong>catastrophic insurance</strong> for major medical events. The proposal argues Florida is the ideal test lab because it already has the supportive law, a functioning high-volume primary care model (Sanitas), and political interest in innovation, aiming to reduce costs and give patients more choice of their primary doctor.</p>