Lastly is an 18 year old who works and decides not to buy insurance and uses his saved money to either save or invest and never uses medical services a freeloader ? That is an unfair and quite frankly silly assessment. I would submit that if a 20 year old or a 22 year old who saves or invests his money is making a better investment than paying health insurance for something he likely will never need. And if he does visit the emergency room he can pay his bill like any other bill for service he may incur.
Also not always talked about is the fact workers are often covered for almost 8 hours a day for work comp insurance should they be injured while in course and scope.