Comment by marknutter

This may sound harsh, but medical attention isn't free, and crossing that street without medical insurance and getting hit by a car and accepting expensive treatment you can't pay for is still incurring debt which you are obligated to pay back. This is why insurance of all forms exists; to protect us from expensive, catastrophic events. So as far as fault goes, you are very much to blame if you take risks and choose not to pay for insurance, regardless how expensive it is.