Great article. One item that it avoids touching even though it clearly insinuates it - the solutions.

And among the solutions, there's one that is briefly alluded to, but skipped around like a hot potato.

What if EMS were to refuse services for those who don't pay for the option on a monthly basis? And for the rest, if they choose to pay "on the spot" they can be OON like everyone is now? Why give out a free (or subsidized) option out, at all ? After all, I dont think it is illegal to turn away Medicare & Medicaid patients if you are not in-network with them.

We pay for other types of insurance. EMS insurance seems like a natural fit for a family.