Our hospitals and doctors are required by Federal law to treat all who come to our emergency rooms. Knowing this, many of the uninsured, indigent, and increasingly, illegal aliens use our expensive emergency departments to treat routine problems. They come because they know they will not be charged.
It's the rest of us who pay for it. Most of the high increases in private insurance costs underwrite these governmental policies to a point where reasonable health policies cannot be made. The entire system must be changed to something that is rational, encourages all to pay their fair share, and encourages health and wellness practices, which prevent emergencies.
Most healthcare professionals agree that the current system has enough money to take care of all if the distribution of resources were to make healthcare decisions rational. The state should encourage the development of such a system.