We never had any health insurance, and "Wait and see how it feels by tomorrow" was my parents' approach to everything. We rarely even went to the doctor, and avoiding a trip to the ER in all but the most extreme circumstances was a recurring theme.
When i was 18 and my sister was 13, sis broke her arm. My mom called my dad at work, and sure enough, he tried to play the "wait and see" card. (Easy for him to say, because he wasn't there, listening to her screaming in pain. 
)
My mom wanted to take her to the ER, but she got off the phone wavering about what to do, because of my dad being against it. (Going against his wishes was NOT the done thing at our house.) I was able to convince her that it was the right thing to do, and off we went.
Sure enough, x-rays showed there was a fracture. It was just a hairline fracture, but it WAS a fracture. She got a cast, we went home, and Dad ended up paying the bill without letting out a peep. He never admitted being wrong about it (because Dad admitting he was ever wrong about anything wasn't the done thing at our house, either), but my sister got the medical care she needed, which was a win, as far as my mom and I were concerned.
Every time I hear about parents being adamantly opposed to ER trips, the insurance issue is the first thing I think of, because of the way my parents were.
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