Direct Primary Care is not a replacement for health insurance, but rather a way to limit the role of health insurance to higher dollar items such as surgery, prolonged hospitalization, and expensive medications. Think of your homeowners and auto insurance policies that protect you against unlikely but costly events. Imagine the rapid inflation of your homeowner’s insurance premium you would see if you started using that coverage for routine maintenance like painting, cleaning gutters, or changing out your water heater. Imagine using your auto-insurance to cover oil changes and new tires. Many scholars have written about the administrative waste and expense that creeps in because we use our health insurance for low-dollar items.