This document outlines a reference architecture for creating the next generation of mHealth apps. It discusses challenges such as information asymmetry and low credibility of patient data that prevents adoption of mHealth apps. A solution is proposed that embeds the patient-physician relationship, uses behavior change models, and ensures bi-directional integration of apps with electronic medical records to collect and use patient experience and outcome data to improve care. The authors applied their criteria to review 201 diabetes apps but found none met all criteria, highlighting a need for higher quality, clinically-integrated apps.