The short answer is yes, Direct Patient Care is legal as long as it is paired with non-primary care insurance. Phoenix Direct Care encourages its members to have catastrophic coverage, also known as a high deductible health plan, for when those unforeseen events happen. There is legistlation that effects how you can or cannot pay for DPC fees. Current proposed legislation, if passed, would allow funds from a Health Savings Account to pay for membership. With an executive order, the current administration has given way for those unable to afford costly insurance but would benefit from a membership in Phoenix Direct Care.