The major driver of overuse of the ER is EMTALA, which means you're going to be treated without regard for your ability to pay in an ER. There's blame for that

The major driver of overuse of the ER is EMTALA, which means you're going to be treated without regard for your ability to pay in an ER. There's blame for that, but for many people with non-critical conditions in the ER, it's a rational choice.