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Why isn't emergency financial assistance or loans available to hospital?

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My daughter asked me this and I couldn't answer her.

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  1. I had to go to ER once when I was younger and had no insurance. The hospital set me up on a payment plan, so that is pretty much emergency financial assistance. From what I understand the ER cannot refuse anyone for lack of funds so they had to offer me some way of taking care of the fees.

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