[thayne]

It absolutely has to do with insurance. Without insurance or government funding, ambulance service would be prohibitively expensive for most people.

The fact that in America health insurance is often part of worker compensation, meant that cities could transfer the cost of ambulances from taxes to insurance premiums.

[redczar]

Getting rid of municipal ambulance service did not occur for insurance reasons. It was gutted along with the gutting of municipal services in general. Insurance had nothing to do with why the service was cut.