My wife works as a charge nurse in local ER dept. It's sobering to learn about the number of uninsured people who visit the ER but have zero intention on paying for it. She calls them the "freeloaders". They'll come in for even the smallest issues, knowing they won't have to pay for a thing. Most tend to be immigrants or of low income status. A lot are on a first-name basis with the staff. It's sad and I'm stuck having to pay for the freeloaders.