Employers are increasingly contracting directly for care, bypassing traditional insurance channels to gain greater cost control, transparency, and access. From direct primary care memberships to bundled surgical services and onsite or near-site clinics, organizations like Baylor Scott & White, Northwell Health, and Henry Ford Health are reshaping how care is delivered, offering new direct-to-employer options. This shift reflects growing dissatisfaction with conventional plan structures and a desire for more predictable outcomes.