[DavidPeiffer]

>Who cares how much it costs if your health insurance cover it?

At least under the current model, many people don't hit their deductible or max out of pocket. I know some older retired couples who are buying insurance on the market with 10k+ deductibles because they're generally in really good health, and the cost of insurance isn't absolutely insane with that level of deductible.

They would absolutely drive an hour rather than 5 minutes for non-emergency situations!

[amcoastal]

Exactly but why not blame the people who can't afford health insurance of committing fraud instead! After all if you're dying and have other choice than die or commit fraud, you're definitely a dirty fraudster!