It's a racket. There is one and only way of solving this problem for good. It's for your life insurer to also be your doctor. I wrote an article about it about 4 or so years ago (linked here): http://housecall.md
While I think the subscription idea has some merit it's hardly "one and only way of solving this problem".
I could maybe believe "one and only way of solving this problem without challenging preconceptions and accepting some nuance into free market ideology".
Of course, you are right. There are other solutions, but I think this one is the best one. It's Google for health care.
As an aside, I'm really glad Google is getting back into the field with Calico because cheap long tail health care (an obvious externality of the idea) is the ultimate positive use case / justification for their company's total information awareness philosophy / strategy.
