For example. If you call 911, the ambulance will verify if you have insurance. If you do not have insurance or a medical margin account that can cover the costs then the ambulance drives away. Same thing, if you show up to a hospital emergency room, you have to show proof of insurance or pay up front. If you cannot do either, then they kick you out of the hospital. So anyone without insurance, or money will get no treatment period, even life saving treatment. No Obamacare, Americans will have a free choice. Not buying insurance, means taking a risk.