Seems like this problem could be solved by forcing an insurance provider to cover every emergency room in a state (note, not Urgent Care). And in all honesty,

Seems like this problem could be solved by forcing an insurance provider to cover every emergency room in a state (note, not Urgent Care). And in all honesty, it seems that 60% of the problem with modern insurance lies with these totally arbitrary delineations of what is in-network and what is not. The insurance company gains implicit power over where you get treated by making up these "networks". Why should an insurance company be the one certifying hospitals? Shouldn't that be done by, yknow, a government agency and not a profit-seeking insurance firm?