Sick people and people who suffer traumatic injuries are potential "freeloaders"? So in your world, the "good man" without insurance dies along the side of the road like a bloated raccoon? The person who is broken and mutilated by a hit-and-run, who doesn't have insurance, should just bleed out where they are and die? For if they don't, they are "freeloaders"?
For your community's sake, I hope you aren't a first responder.