This is how I want my healthcare to be. I will pay my doctor $25 a month (or whatever the cost is) for every month that I am not sick with a terrible disease (colds or small food poisoning don't count). Thus, the entire system is not based on them getting paid for me being sick or dead, but they only get paid if I am healthy and alive.

That would be a great free-market solution that would massively change the incentive structure for healthcare.