I don't doubt that in aggregate funds flow from insurers to ERs. Do insurers in some reasonably direct way cover the cost of uninsured indigents? That's not a thing I'd expect. 1/

In any case, the question is whether there was some variable cost paid by the insurance company due to my deductible-not-fulfilled visit to the ER. Yes, lots of funds slosh around the HC system in hard to track ways. But they r representing a benefit to me I think is not real, at best misleading. 2/

(I had a rough little pneumonia! Two rounds of different antibiotics later I'm on the mend, I hope, but it's been a bit unpleasant. Thanks for asking!) /fin