I was curious so I looked up reviews of One Medical. Almost universally, people note that they charge well more than average for services, fail to meet thier appointment wait time promises, limit access to doctors, and have terrible customer service that fails to respond timely and often fails to respond at all.
$99 seems to be a lot of money to pay to be ignored.
The service doesn’t cover most healthcare so you’re still stuck with One Medical’s bills, which (if reviews on Trustpilot are correct) tend to be higher than traditional medical. They still bill to your insurance if you have it.