1) open the sim tray but don't take out the sim card.
2) push the sim tray back in the phone.
3) wait 4-5 seconds and then activate hotspot in the settings->more->tethering
If these directions don't help you can see my video on youtube.
Don't ask how I found this but it works for Verizon and AT&T. I have not tested this on any other carriers.
This works by turning on the hotspot while the phone is provisioning. If you attempt to do this too soon or too late you will trigger the subscription check.
You will need to perform this everytime you want tethering if you turn tethering off or reboot the phone.