It's worth noting that #1 and #2 from my list can get kind of mixed together. If you're poor enough maybe an annual doctors checkup is a big expense for you. So maybe government subsidized health insurance should just cover it for you so that small health problems get taken care of before they turn into big problems(1). And once you're bundling this stuff in for poorer people you might as well just bundle it in for everyone.

I'm mostly with you in that I don't necessarily think this is a great idea, but that's the general thinking.

1. Though there is less evidence than you might think that this actually works.