Payday Go Away, Come Once More ACA Over ten percent of Americans lack medical health insurance. They can usually get care in an emergency roomвЂ”but this treatment comes with a potentially high bill if they experience a medical emergency. Unpredictable medical costs, like ER visits, can quickly blow a family group spending plan. Likewise, without insurance coverage routine, medical expenses, like prescription drugs, may contend with necessities like rent and meals. The many benefits .