Yes, that's right, if you don't have insurance you will be required to pay out of pocket. I am a nurse in an ICU and I'd guess prob. about 30-40% of our pts. don't have insurance. You still get treated the same as anyone else you just end up with an outrageous med. bill that you can never pay. People don't pay it, they can't, they just ruin their credit and put themselves in tremendous debt. Problem is, alot of people that don't have health insurance can't affor to go to the Dr, the free clinics are a nightmare, so they use the ER like the Dr's office, or wait until their critically ill before being seen, which further complicates things.
I didn't have health insurance for about 10 years of my life, because I just couldn't afford it. When I became a nurse I finally got decent coverage, but I still pay approx. 500$ a month for my family which is a lot where I live because we're in the midwest where the cost of living is cheap, and so are our wages. I will say, though that my insurance has more than paid for itself since 2 of my kids have had major health problems.