
It depends on the situation. Emergency rooms are required by law to stabilize emergency medical issues, regardless of the patient’s potential ability to pay. This is because there used to be a big issue with ERs dumping non-paying patients. If the hospital didn’t think a patient could pay, security would literally wheel them across the street, then just leave them there to figure their own shit out.
ERs run on triage, (and lots of people go to the ER for things which could be handled by an urgent care or family doctor instead), which means wait times entirely depend on your specific situation. Mildly upset stomach? You’ll probably be waiting at least a few hours, especially if it’s a busy night with lots of more urgent patients. Chest pains with a history of heart disease? You’ll have EKG leads stuck to you before you’re even finished telling the intake nurse what your issue is.
And the big key thing is that ERs are required to stabilize an emergency medical issue. They aren’t required to provide follow-up care, long-term support, etc… If you show up with a cut that needs stitches, they’ll stitch you up. But they’ll tell you to follow up with your regular doctor to make sure it’s healing properly, and to remove the stitches in a few weeks. Don’t have a regular doctor because you’re uninsured? Good luck, hope it doesn’t get infected, then maybe chew some Tylenol and remove the stitches in your bathroom.









It’s largely because the “tens of thousands” is usually a result of being uninsured. And if you’re uninsured, it’s usually because you’re unemployed. And lenders tend to get squirmy at the idea of giving a loan to anyone who hasn’t been fully employed since the day they were born.
There was actually a rule implemented by the Consumer Finance Protection Bureau shortly after the pandemic, to prevent medical debt from impacting your credit history. Because lots of Americans were suddenly finding themselves in an awful job market with tons of medical debt from being sick. But last year, the fifth circuit court of appeals (the one that presides over Texas and Louisiana, and which is stacked with conservative judges as part of the Southern Strategy) voided the rule and allowed medical debt to appear on credit reports again. The ruling from the conservative court also prohibited the CFPB from implementing similar rules in the future.