And of course there is also the problem of the many working poor people who have no insurance and no access to health care. These people have jobs, but their jobs do not provide any insurance benefits, and they don't pay enough for people to be able to afford to buy it on their own. Their emergency room visits cost money and that cost does eventually get spread out to the rest of the country. But at a much higher cost than if these people had access to adequate health care to begin with. So it really is penny wise and pound foolish to not make sure that everyone has adequate health care right from the start.