No. 8, regarding the ER is complete garbage. If you can decide what time you can go to the "Emergency Room", it's not an emergency. You are the problem, go to "Urgent Care".
So you don't have insurance, there are plenty of low cost urgent care clinics that will see you for $20-30.
If the ER was used for Emergencies, we wouldn't be having the problems with ER (or at least as many).
V.I. Ulyanov; That's the problem, not the ER staffing: Doctors or Nurses.