They will treat you. Then you will spend many years paying it off with interest. That's why I think you can't afford NOT to have insurance. More bankruptcies are caused by medical emergencies than any other reason. The Health Care Act will allow people like you to be grouped with others so that actuarial rates can be established and allow you to purchase private insurance at group rates. Steves Cooking is in the same position and the new health law should reduce his rates significantly.