I personally feel this is a concept whose time has come! I cannot tell you the number of uninsured people in the ERs. Even if they have a cold, they go because nobody is refused care in an ER. Insured or not. So those of us with insurance sit for HOURS waiting with our problems because the ER is clogged with uninsired people with regular problems a regular doctor should see.... but they won't go to a regular doctor because they don't have the money to see a regular doctor. So they go for colds and basic stuff handled in your family doctor's office.

The problem isn't a "free will" issue when its not just you who's footing the bill for millions of unisnured people who flood the ER for non-essential things. Its only free will when you take care of the bill yourself for $50,000 for a one day stay in the hospital. At that point, the $500 monthly copays for insurance start looking mighty cheap. In the past few years, I've had several family members in the hospital for one thing or another. And the cheapest bill would have been $50,000 --- the most was over $500,000. It was all paid by insurance, minus a couple hundred dollar deductible. Of course, we worried about paying the deductible, but its nothing compared to the real bill.