While I like certain parts of the @SenBillCassidy plan, I would really like the option to buy insurance policies that do not bundle Primary Care into the premium. If people want to pay for primary care through insurance, that is fine. Pay the premium. If not, let people buy a catastrophic plan. Bundling primary care into every policy raises premiums and adds cost without improving outcomes. The core data. • Primary care is about 5 percent of total US health spending. • Insurance administration consumes roughly 15 to 20 percent of every dollar. • Running routine care through insurance increases claims volume and premium growth. • Systems like Singapore and Switzerland show lower premiums when routine care is paid directly. • US catastrophic plan models reduce premiums by 30 to 40 percent when routine care is carved out. People should be able to use direct pay or DPC for primary care and reserve insurance for major, unpredictable events. That structure lowers premiums, expands access, and gives patients control.