The system currently has a flaw that has to be fixed!
However, this loophole does not violate any laws, despite the fact that it appears to be quite unethical. People put themselves in this kind of predicament when they have the expectation that they will receive all of the necessary medical care with very little or no out-of-pocket expense.
If you need medical help right away but your insurance won’t pay for the doctors and nurses, you don’t have much choice. The latest information says that people must decide for themselves if they will pay for their own medical care or not. Even if they aren’t aware of what’s going on, like this woman.