[gremlinsinc]

I think a better model would be something where insurance is included..or covered by the source of healthcare.

Example: Hospitals are generally the source / hub of medicine in an area. So you subscribe to a hospital and pay them 5% of your income.

Hospital then negotiates rates with other hospitals or all hospitals maybe set common-rates for things. Whether you're in an injury locally or across the globe they cover the cost.

Hospital gets recurring income monthly to budget by. PCP's and specialists might get a cut of that as well maybe they get shares of the income based on office visits/year?