You are also under duress at the time of signing those contracts.
Further every hospital admits they charge people with insurance 4-5 times what they use actually coats, because they are using youto pay for others who paid nothing.
Imagine any other business doing that.
Other businesses write off bad debt/shoplifting, etc. all the time (& consequently charge more for their product/service). “No pays” at the ER are a cost of doing business for hospitals due to government mandated treatment at the ER.