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If someone decides not to buy health insurance and is injured in accident, what happens?

  • October 13, 2015

Q: If a person opts out of buying insurance, pays the penalty, gets in an accident and goes to hospital emergency room – what happens?

A: When a patient arrives at the emergency room and in unable to pay for his care, staff there are required by law only to perform a medical screening exam, and if emergency medical conditions are present, the staff must “provide stabilizing treatment.”

This requirement is the result of the Emergency Medical Treatment and Labor ACT (EMTALA) of 1986. Patients cannot be turned away from the emergency room (assuming the hospital is a participating provider with Medicare, which virtually all hospitals are) because of an inability to pay for care. Instead, the ER must correct the emergency situation and end any life-threatening conditions.

But that doesn’t mean that the ER is required to make sure that he will get better. “Stabilize” is the key word in the ER law. It doesn’t mean “able to work” or “able to continue a high quality life.” A great many medical services, including ongoing rehabilitation and treatment for chronic conditions, are not available in the ER at all. Medical providers outside of the emergency room are not regulated under EMTALA; they can turn patients away based on inability to pay.

And while EMTALA requires emergency departments to stabilize patients regardless of ability to pay, they are allowed to bill patients and send delinquent accounts to collections.

It should also be noted that since health insurance is now guaranteed-issue (pre-existing conditions aren’t a barrier to enrollment), coverage can only be purchased during open enrollment, or during a special enrollment period triggered by a qualifying event. There have been some misconceptions about this, with people talking about buying health insurance from the back of an ambulance. That won’t work however – if you’re uninsured and you get sick or injured outside of open enrollment, you’ll have to wait until the next open enrollment period to sign up for coverage.

Opting out of health insurance is taking an enormous risk. And for the most part, it’s not one that needs to be taken anymore, thanks to the ACA. Coverage is available to everyone, regardless of pre-existing medical conditions (but as mentioned above, this only applies during open enrollment). In 29 states and DC, Medicaid is available to residents with household income up to 138 percent of the federal poverty level. For residents with higher incomes, premium subsidies are available in every state for applicants with household income up to four times the poverty level. The ACA has made coverage both accessible and affordable, but it’s up to each person to take advantage of the consumer protections the law offers.

 

 

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