By law, every health care provider is required to care for every person that seeks care in urgent cares and emergency rooms weater inaured or not. Unfortunately most uninsured patients are unable to pay for the services provided. For this reason, The individuals who have inaurance end up paying very high premiums to help cover the cost for all the uninsured patients. This is why the premiums are so high. The Obama plan requires every person to pay their fare share for health care coverage which will reduce the monthly premiums for everyone and ensure hospitals get paid. Anyone who does not pay for health care coverage will pay a fine at the end of the year when completing tax returns. Basically one way or another people will be held responsible to pitch in their fare share for health care costs.
By having insurance, everyone will have access to health care for annual tests and screenings which will help detect problems in early stages instead of waiting for the pain to arrive in which case hospitalization is required which can be very costly.