Non-network plans break with convention by setting aside traditional network-centric insurance in favor of pre-set schedules of payments for services tied to existing benchmarks, such as Medicare’s rates. The administration announced in May that non-network insurance could be sold in the Affordable Care Act (ACA) marketplaces starting in 2028. More traditional plans will be left with a pool of higher risk customers, which will push their premiums up even more rapidly in future years. It is also possible that non-network insurers will be more innovative than traditional insurers by testing new payment models, such as per-month subscriptions for direct primary care. Working with price transparency rules, non-network plans might be able to deploy improved consumer-facing applications that facilitate apples-to-apples price comparisons.