1. The law requires that emergency rooms treat everyone, regardless of their ability to pay.
Do you understand this simple fact? If you go to a hospital with an emergency room, and you pay your bill, then you are subsidizing the emergency room.
It doesn't matter if you pay the whole thing yourself, or if you pay via insurance. You are still subsidizing the emergency room.
If you have insurance, and the insurance carrier pays for services at a hospital with an emergency room, then you are still subsidizing that emergency room. It doesn't matter if you go to that hospital or not; someone
on that plan is going to go to the hospital.
Really, there is almost no way to pay for healthcare in this country without subsidizing emergency care for those who could not afford it otherwise.