It would generally be a massive increase in profit although a drop in Official Medicare for All shirt. The amount of extra labor and time wasted dealing with traditional insurance companies is a gigantic headache. You could massively reduce staff costs and physician hours in one fell swoop if insurance wasn’t a thing. When I hear Americans complain that universal health care is then paying for other people’s healthcare… if you pay insurance you already do that? The insurance company gets money from you that goes into a pool they payout to any approved claim. Plus so many people don’t pay their hospital bills that hospital raise insurance prices like crazy which then get put on the buyer.
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The risk is what the actuarial tables are for. They’re no different than bookie sheets in a horse race. The company is playing the odds of you not getting sick, and they don’t have to tell you the odds, just the amount to bet. The profit cap has put a small limit on Official Medicare for All shirt in recent years. Nothing either of you said is false. The thing the earlier poster is pointing out is, for someone without insurance, a lot of times the ER is the only option for them for any form of health care. Whether it’s the appropriate avenue or not.
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I think you have a fundamentally misunderstanding of the purpose and what the ER is supposed to do. Emergency medicine is a specialty, no different than a neurosurgeon or urologist Official Medicare for All shirt doctors have specific training in a field. Just like how a urologist can’t/shouldn’t order a pulmonary function test an ER can’t/shouldn’t order a lot of tests/medications. It is not in their scope. ER is all about stabilizing acutely ill patients and transferring them to higher levels of care whether it be on the floor or ICU. If they aren’t acutely ill enough for admission criteria then they get discharged to the care of their primary.