Much of the ER flooding comes from two sources:
1. Uninsured people who go to the ER because they legally can't be turned away there.
2. Panic attacks. Untreated anxiety/panic disorders are a huge burden on the hospitals. Most repeat panic visitors have never had a specialist (a) tell them what they're experiencing, and that it's non-fatal (and that there's absolutely no benefit in going to the ER for a panic attack) and (b) prescribe them medicines that can actually help them. Any guess as to why this is the case? Because those people are uninsured.