It seems like the law hasn't paved a road for certain people to pay off their hospital care, and business doesn't seem to be providing real financing help.
Improved health services for uninsured
The most significant effect is that, regardless of insurance status, everyone in need of urgent medical assistance is now legally guaranteed to receive it. Currently EMTALA only requires that hospitals stabilize the emergency. According to some analyses of the U.S. health care safety net, EMTALA is an incomplete and strained program.
Cost pressures on hospitals
According to the Centers for Medicare & Medicaid Services, 55% of U.S. emergency care now goes uncompensated. When medical bills go unpaid, health care providers must either shift the costs onto those who can pay — mainly those with health insurance or government programs — or go uncompensated. In the first decade of EMTALA, such cost-shifting amounted to a hidden tax levied by providers. For example, it has been estimated that this cost shifting amounted to $455 per individual or $1,186 per family in California each year.