Maybe, but how much do you pay for a trip to the emergency room? I'm guessing zero, or nearly. I just got through paying for one that cost me well over $800, and that's after private health insurance, which paid (or negotiated away) thousands, and for which I pay $137 a month. Not to intentionally give away how much I make, but that one trip to the emergency room cost me about 1% of my annual pre-tax income, not to mention the about 2% that I pay for the privilege of getting health care that "cheaply". And I make decent money. It's not like a person making half what I do would get a further discount. In fact, it's more likely that their insurance would be worse than mine.

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