In direct primary care, there's no co-pay to see doctors. But emergency care and hospitalization aren't usually provided. Photo: David Castillo Dominici

Under a traditional health care benefit plan, a patient tells the doctor what’s wrong. Then the patient, insurance company, or self-funded employer pays the doctor for each of the things she does in trying to fix it.

For the past three years, that’s not how things have worked at Seattle-based Becker Trucking. For Becker, funding employee health care is a little like paying for gym memberships.

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