No, you do not need a primary care physician (PCP) for most health insurance plans used with ICHRA or QSEHRA, although some HMO or POS plans may require one.
Do you need a primary care physician?
In most cases, no PCP is required.
Most individual health insurance plans used with ICHRA and QSEHRA do not require you to select a primary care physician.
This is especially true for:
PPO plans
EPO plans
With these plans:
You can see specialists without a referral
You do not need to designate a PCP in advance
You can choose providers freely within your network rules
Some plans DO require a PCP
Certain plan types may require you to choose a primary care physician, including:
HMO plans
Some POS (Point of Service) plans
If your plan requires a PCP:
You must select one during enrollment
The PCP usually coordinates your care
You may need referrals to see specialists