It's actually quite common for High-Deductible plans to include payment for standard preventative care (e.g. annual physical). After all the costs covered are predictable and well-contained anyway (typically a few hundred a year).
Beyond that, the emerging "direct Primary Care" model (e.g. http://qliance.com/) is another way to remove the financial disincentive to use preventative care. With them you get unlimited around-the-clock primary care for $50+/month, so there's no additional cost to come in for a checkup. And the barriers to interacting with them are even lower than an insurance-bound doctor, as they embrace modern forms of communication so you can e-mail them about problems which otherwise would not have risen to the level of motivating an appointment.
Note that in this case, subscribers would then favor insurance which does not cover preventative care, or else they'd be paying for it twice, so it's not necessarily beneficial that all people get this support from their insurance.
Beyond that, the emerging "direct Primary Care" model (e.g. http://qliance.com/) is another way to remove the financial disincentive to use preventative care. With them you get unlimited around-the-clock primary care for $50+/month, so there's no additional cost to come in for a checkup. And the barriers to interacting with them are even lower than an insurance-bound doctor, as they embrace modern forms of communication so you can e-mail them about problems which otherwise would not have risen to the level of motivating an appointment.
Note that in this case, subscribers would then favor insurance which does not cover preventative care, or else they'd be paying for it twice, so it's not necessarily beneficial that all people get this support from their insurance.