“When was the last time you called a doctor and said you needed to see him and couldn’t pay?”
I would not do that and did not do that for the decades I was uninsured.
I called and asked what the charges were, and made sure I had funds to cover or a good credit card for my visit.
Honestly.
Had I been in an ER situation like the rest of America I would have received a bill. I would have negotiated payments on that bill, used my credit cards, asked relatives for some help in an extreme situation.
A person without credit has a harder time but there is generally a good reason a person has no credit. They either have not sought it or are not credit worthy.
We must be responsible for our own health care, or force others to be, or go without.
I choose option #1.
Continued good health and prosperity to you, Persevero.