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You have already been paying for the "free riders"
This is the primary area for reform. A study came out not too long ago, I think about 2 years ago, that said that 70% of these "free riders" you are talking about, are primarily illegal immigrants utilizing county hospitals and emergency rooms, where it is illegal to refuse care, regardless if they are legal immigrants, or citizens or not.
So, an illegal immigrant gets a tooth ache, what do they do? They go to the emergency room, receive treatment, and pay nothing! They take their sick kids the next week. Then their sick wife the week after.
You tell me, is this not an area where reform is required? Why are illegal aliens able to access our healthcare system for free? Brings up another primary reason, illegals coming to this country 9 months pregnant. They cross the border illegally, head up to the local county hospital, and a doctor comes and delivers the baby. Who do they bill? It's an undocumented illegal alien! Not only that, but the child receives automatic citizenship, Medicaid assistance, and the mother is taken care of. Who pays? You think this is right? You don't think this has a huge impact? I live in Texas, and I can tell you, I have many doctor friends, and do business with several hospitals just in my area. They tell me that over half of their business is Medicaid patients, and the majority of those patients are children of illegal immigrant parents.