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The logic is sound, but as you extend the idea, the group starts selling access to their doctor, and you basically pay a subscription for a doctor, and then you just have insurance by another name. It wouldn't be corrupt like modern insurance, but that's just because it's new, not because it won't get there, unless specific steps are taken to prevent that.
Really, the only thing thatt actually accomplishes here is you've removed profit and CEO nonsense from the equation. A community that implemented and organized all these potential communal services would just be a commune. Nothing wrong with that at all, we need more communist principles in our lives.
I think if it started to get bigger the other factor that would come into play is the entity could be democratically controlled, which is another thing we don't get with typical insurance.
Yeah, definitely some benefits to it, even without extending it to communism. The usual term for these is an insurance cooperative, if you wanna research them more. A lot of unions do this, too.