Snoey: Health care cuts will push ERs to the brink - Insurance News | InsuranceNewsNet

InsuranceNewsNet — Your Industry. One Source.™

Sign in
  • Subscribe
  • About
  • Advertise
  • Contact
Home Now reading Newswires
Topics
    • Advisor News
    • Annuity Index
    • Annuity News
    • Companies
    • Earnings
    • Fiduciary
    • From the Field: Expert Insights
    • Health/Employee Benefits
    • Insurance & Financial Fraud
    • INN Magazine
    • Insiders Only
    • Life Insurance News
    • Newswires
    • Property and Casualty
    • Regulation News
    • Sponsored Articles
    • Washington Wire
    • Videos
    • ———
    • About
    • Meet our Editorial Staff
    • Advertise
    • Contact
    • Newsletters
  • Exclusives
  • NewsWires
  • Magazine
  • Newsletters
Sign in or register to be an INNsider.
  • AdvisorNews
  • Annuity News
  • Companies
  • Earnings
  • Fiduciary
  • Health/Employee Benefits
  • Insurance & Financial Fraud
  • INN Exclusives
  • INN Magazine
  • Insurtech
  • Life Insurance News
  • Newswires
  • Property and Casualty
  • Regulation News
  • Sponsored Articles
  • Video
  • Washington Wire
  • Life Insurance
  • Annuities
  • Advisor
  • Health/Benefits
  • Property & Casualty
  • Insurtech
  • About
  • Advertise
  • Contact
  • Editorial Staff

Get Social

  • Facebook
  • X
  • LinkedIn
Health/Employee Benefits News
Newswires RSS Get our newsletter
Order Prints
October 27, 2025 Newswires
Share
Share
Post
Email

Snoey: Health care cuts will push ERs to the brink

Eric Snoey, The Press Democrat, Santa Rosa, Calif.The Press Democrat

Back in 2007, President George W. Bush was being challenged on his opposition to the Children’s Health Insurance Program — which provides coverage for children in families too poor to afford private insurance, yet too “wealthy” to qualify for Medicaid. His response was honest, if characteristically clumsy: “People have access to health care in America. After all, you just go to an emergency room.”

In a way, he wasn’t wrong. By law, ERs must evaluate and stabilize every patient who walks through the door, regardless of complaint or ability to pay. But by saying the quiet part out loud, Bush laid bare an uncomfortable truth: Emergency departments are not just for emergencies, and never have been.

I’ve been an ER doctor at an inner-city trauma center for 35 years. And while I’ve seen plenty of gunshot wounds, drug overdoses and heart attacks, true emergencies — the kind that animate medical dramas on television — are a comparatively small part of what I do. It’s the “worried well,” the “sick and stoic” and everyone in between who keep us busy. They’re all resigned to using the ER as a stand-in for unavailable primary care.

ER docs like me hear it every day: “My doc is booked up and can’t see me for three months.” “The nurse line told me to come because the office is closed.” “It’s probably nothing, but I’m worried.” “I don’t have insurance, a doctor or my medicine.”

When there is no place else to go, everything is an emergency. Offering high-quality, sophisticated care, day or night, without a reservation, ERs have long served as spackle for a gap-riddled health care system. But emergency care of any kind is costly, resource intensive and increasingly being swamped by unmet needs for primary care: issues best handled elsewhere that end up in the ER for lack of better options."AmbulancesAmbulances parked outside the emergency room entrance at Long Beach Medical Center. (Ashley Landis — Associated Press, 2021)ERs now operate in a sort of siege mentality — hold the line at all costs — because, by design, they are the last line of defense. I write these lines fresh off three successive ER shifts in which I thought, at several moments, we were just a patient or two away from a “breach”: the moment when demand outstrips capacity, and the rationing of care begins. These are not rare events. In communities across the country, ERs and their staff are straining under a burden of too many patients, too few beds and a stubborn dearth of viable solutions to stem the tide.

And things are about to get worse.

The budget standoff in Washington, which has already triggered a government shutdown, centers on whether to renew federal insurance subsidies that are scheduled to expire on Dec. 31. If Congress fails to preserve the subsidies, premiums in the Affordable Care Act marketplace are expected to surge beyond the reach of millions of patients who currently depend on the program— especially people who work for small businesses and people in red states that have declined to expand Medicaid.

Just a year later, a second shock is set to arrive. The Big Beautiful Bill Act — the third-largest tax cut in U.S. history, passed by Congress this past summer — will be “paid for” in part through draconian cuts in Medicaid, SNAP food assistance and noncitizen services. By design, these cuts do not take effect until after next year’s midterm elections. But when they do, the consequences will be severe: an estimated 11 million people will lose Medicaid coverage, while those who remain will face stricter eligibility hurdles. Disabled patients could see Medicaid-funded home care eliminated, forcing many into hospitals because of a lack of long-term care options. Meanwhile, 14 million unauthorized residents will lose access to all services, and another 8 million legal noncitizens may face the same fate.

Which is to say, the “just go” ER will soon be the shadow insurance for more than 33 million people living in America about to lose their health coverage, two-thirds of whom are either citizens or legal residents. The consequences of these cuts can’t be overstated. That’s 33 million patients who will forgo trips to the doctor, health screening for cancer and infectious disease, vaccinations, medication refills for chronic diseases like diabetes, hypertension and asthma.

In 2014, with the initial rollout of Obamacare, I was giddy with optimism. Many of my patients would, for the first time, be able to make an appointment to visit a primary doctor, in an office, rather than spending hours waiting to see me. In the end, it didn’t achieve all it promised, but it did a lot. Since its inception, more than 50 million individuals have been covered by Affordable Care Act policies. The proposed cuts are more than a simple course reversal. They wipe out a decade of progress in providing health care to working people and our nation’s poor, at a time when Plan B — the ER — is ill prepared to deal with an onslaught."ByBy law, ERs must evaluate and stabilize every patient who walks through the door. (Al Diaz — Miami Herald)Unlike ERs, doctors’ offices and clinics are under no obligation to “evaluate and stabilize” patients regardless of ability to pay. And they won’t, save for the occasional self-pay. But these patients aren’t going away. They are day laborers, house cleaners, workers at restaurants, hotels and home care agencies. They work in construction, agriculture and small businesses. They are the working poor, many one illness away from losing their jobs or their homes.

Inevitably, they will end up in the emergency room — sicker, with advanced, expensive conditions beyond the reach of easy fixes. They’ll have stopped taking their blood pressure medications, leading to strokes, heart attacks and kidney failure. Diabetics will see their glucose soar out of control. Untreated asthma and emphysema will render patients breathless and on death’s door. Flu and COVID will flourish. Measles, mumps, rubella, H-flu and meningitis outbreaks will become the new normal.

And care for affected individuals will fall to a health care system already operating on life support. Costs will be passed on to other customers, raising premiums and co-pays. Hospitals, many in rural areas, will look to cut services or close entirely, further expanding health care deserts.

Leaving aside the human suffering, the financial logic is delusional: Disease in 33 million residents will not vanish. It can either be managed inexpensively in doctors’ offices and clinics — or at orders of magnitude greater expense in ERs and hospitals. It becomes an elaborate game of cost shifting away from the federal government and onto state and local governments and hospitals.

Don’t think that you will be unaffected just because you have insurance, a doctor and an unassailable citizenship status. For one thing, you’ll be paying for the care that is no longer provided through federally subsidized insurance. And for another, “fortress” America has a poor record of insulating itself from the vagaries of disease: Think COVID, the opiate crisis, gun violence, etc. This is not a problem of haves versus have-nots. It will affect all of us. Costs will rise. Access will shrink. Your 911 call may be placed on hold. Ambulances will take longer to arrive. ER waiting rooms, already resembling bus stations, will be fortified with chairs and cots. Why? Because the hospital wards are full, rendering the ER a holding area for admitted patients, most of whom will end up completing their treatment on a gurney, never seeing a hospital ward.

Illness is an innate part of the human experience — one that, in civil society, we share with others in a sort of universal pact. The unmet health care needs of one affect us all. To believe otherwise is to divert one’s gaze, naively, hoping others will manage the problem, keeping it from your doorstep — in defiance of the medicine and simple math.

Eric Snoey is an attending emergency medicine physician in Oakland. From the Los Angeles Times.

You can send letters to the editor to [email protected].

© 2025 The Press Democrat (Santa Rosa, Calif.). Visit www.pressdemocrat.com. Distributed by Tribune Content Agency, LLC.

Older

We Are Governed By The Rich Who Make Laws That Benefit Only Themselves

Newer

Obamacare premiums set to rise 30% Documents, final rates OK'd by government show steep increase.(AGD)

Advisor News

  • Report: Many Americans paying up to 45% of annual income on auto loans
  • Latest state budget raises taxes on Californians, ignores voter priorities
  • What advisors and clients must know about Roth conversions
  • Worker retirement confidence dips to lowest level in a decade
  • What’s behind private equity investment in insurance brokerages
More Advisor News

Annuity News

  • Globe Life Inc. (NYSE: GL) Making Surprising Moves in Tuesday Session
  • Why annuities are gaining traction with younger investors
  • Best’s Special Report: U.S. Life/Annuity Industry Sees Bottom-Line Growth Despite 18% Decline in Total Income in First-Quarter 2026
  • Globe Life Inc. (NYSE: GL) Records 52-Week High Thursday Morning
  • Fortitude Re Completes $500 Million FABN Issuance
More Annuity News

Health/Employee Benefits News

  • Findings from RAND Corporation Yields New Findings on Managed Care (Access To Routine Primary Healthcare and Past-year Dental Visits: Results From the 2017-2020 National Health and Nutrition Examination Survey): Managed Care
  • Reports Summarize Economics Study Results from Harvard Medical School (Regulated Competition In Health Insurance Markets On Two Sides of the Atlantic): Economics
  • The one skyrocketing cost voters keep thinking about
  • REP. GOLDMAN INTRODUCES THE BETTER CARE, BETTER COST ACT TO STRENGTHEN MEDICAID
  • New task force targets rising health insurance costs
More Health/Employee Benefits News

Life Insurance News

  • Avoid the ‘summertime slump:’ Strategies to remain productive
  • Globe Life Inc. (NYSE: GL) Making Surprising Moves in Tuesday Session
  • Symetra Partners with PlanSource to Streamline Workforce Benefits Administration
  • Royal Neighbors of America achieves record growth
  • Only 1 in 4 Americans Think Now Is A Good Time To Invest, Allianz Life Study Finds
More Life Insurance News

NEWS INSIDE

  • Companies
  • Earnings
  • Economic News
  • INN Magazine
  • Insurtech News
  • Newswires Feed
  • Regulation News
  • Washington Wire
  • Videos

FEATURED OFFERS

Maximize Your FIA Case Results
Learn a repeatable process to review, reposition, and present FIA opportunities with confidence.

Aim higher during Annuity Awareness Month
Raise the bar with our diverse portfolio of Ascend annuities, backed by superior financial strength

You Could Be Losing Up to 20% of Your Commissions
GreenWave helps you find, fix, and prevent commission errors.

True Independence Means Having Choices
Cambridge offers flexibility, stability, proven tools—no private equity strings attached.

Life moves fast. Your BGA should, too.
Stay ahead with Modern Life's AI-powered tech and expert support.

Looking for stronger rates, amplified growth & real results?
Sentinel's Accumulation Protector Plus℠ Annuity is for clients wanting more from retirement planning

Press Releases

  • Prosperity Life GroupSM Launches Prosperity PathWaySM Series, Bringing Greater Choice and Flexibility to Retirement Income Planning
  • Senior Market Sales® Fortifies Annuity Reach With Acquisition of Retirement Planning Firm Stratton & Company
  • RFP #T01625
  • Rockwood Programs Appoints Kerry Ladouceur as Vice President, Financial Lines
  • JP Insurance Group Launches Commercial Property & Casualty Division; Appoints Joe Webster as Managing Director
More Press Releases > Add Your Press Release >

How to Write For InsuranceNewsNet

Find out how you can submit content for publishing on our website.
View Guidelines

Topics

  • Advisor News
  • Annuity Index
  • Annuity News
  • Companies
  • Earnings
  • Fiduciary
  • From the Field: Expert Insights
  • Health/Employee Benefits
  • Insurance & Financial Fraud
  • INN Magazine
  • Insiders Only
  • Life Insurance News
  • Newswires
  • Property and Casualty
  • Regulation News
  • Sponsored Articles
  • Washington Wire
  • Videos
  • ———
  • About
  • Meet our Editorial Staff
  • Advertise
  • Contact
  • Newsletters

Top Sections

  • AdvisorNews
  • Annuity News
  • Health/Employee Benefits News
  • InsuranceNewsNet Magazine
  • Life Insurance News
  • Property and Casualty News
  • Washington Wire

Our Company

  • About
  • Advertise
  • Contact
  • Meet our Editorial Staff
  • Magazine Subscription
  • Write for INN

Sign up for our FREE e-Newsletter!

Get breaking news, exclusive stories, and money- making insights straight into your inbox.

select Newsletter Options
Facebook Linkedin Twitter
© 2026 InsuranceNewsNet.com, Inc. All rights reserved.
  • Terms & Conditions
  • Privacy Policy
  • InsuranceNewsNet Magazine

Sign in with your Insider Pro Account

Not registered? Become an Insider Pro.
Insurance News | InsuranceNewsNet