Basically it works like this. If you don't have a good job with benefits or enough money for private coverage, you're going to die. This story should explain things. One of my professor's sons cut his finger in a simple accident. THey couldn't get the bleeding to stop, so they took him to an emergency room. In 15 minutes, he saw a nurse, got bandaged and went home. No doctor, no stitches nothing. Cost: $1200. Due to my professor's insurance, $50. America's system is screwed up, as all doctors have to do is stabalize you and you're gone. The problem is people go to the emergency room for reasons they shouldn't and it drives costs through the roof and insurance is so expensive because of it. Hope that helps.