Lazee;  You are probably correct.   But do you think that a person who is too poor to pay for medical insurance is able to pay for legal advice?  You did though give me another hint why Canadian health care is 1/2 the price of the USA.  Hospitals need to charge more for initial procedures because they know many cannot pay.  So that is why hospitals down south of 49TH would favor a one payer system as in Canada.  They know they will constantly get their money.  One veterinarian once said, to my brother-in-law:  "We have to charge more because some guys don't pay their bills".