The article shows that this issue affects people with insurance. It's not that the patients don't have insurance, it's not even that they go to a hospital with

The article shows that this issue affects people with insurance. It's not that the patients don't have insurance, it's not even that they go to a hospital without an agreement in place with their insurer - it's that the ER has a number of people outside that insurance contract, you don't know who they are, you don't get to choose whether they treat you, you just get a bill at the end - despite being insured, and choosing a hospital recognised by your insurer. Insurance is not the solution for this problem.