Proposal for a Direct Primary Care (DPC) health innovation plan in Florida, structured as a letter to "Doug" about the "Big Idea" of separating routine medical care from expensive insurance. The core proposal focuses on using Florida's existing law (624.27), which states that a monthly doctor membership fee is not considered insurance, thus freeing DPC doctors from strict regulatory burdens. The plan suggests using a federal 1332 waiverto reroute a portion of Affordable Care Act subsidies toward a "voucher" for these DPC memberships, paired with catastrophic insurance 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.