Just as the Feds do with certain Medicaid $ Benefits ("Medicaid's Power to Recoup Benefits Paid: Estate Recovery and Liens" ) my idea is actually this-first ER visit (sans health insurance coverage) and our government immediately bills the person for ten grand, per year. If the ten grand goes unpaid, then our government attaches a lien on personal property and/or the non-payers pay checks.  Just like Medicaid. (And that Due Bill gets passed to ones heirs btw.)  https://www.elderlawanswers.com/medicaids-power-to-recoup-benefits-paid-estate-recovery-and-liens-12018
 

 That will help off set the taxpayers cost of the non-payers medical care. 

A win win. Nonpayer gets medical care, and taxpayers recoup some of their money.