But that doesn't exclude them from receiving treatment, that just means
the HMO can go after you. The point was that not having enough
insurance does not mean they will be sitting on the street in front of
the hospital w/o medical care.
So, if the only issue is being sued, you have to make a personal
assessment of the situation. You can't just blindly say "more insurance
is better" until your bank account is empty from the premiums. You
can't assign *ALL* your risk in life to an insurance company. You just
need to decide how much of that risk you are willing to share yourself.