And if the uninsured workers fall really ill, they become free-riders on the others, since hospitals are required to treat them at public expense: had they been treated earlier, they might have been cured more cheaply.

• 一旦这些没有保险的员工生大病时，由于医院必须用公共花费来治疗，他们又成为了无偿享用者：如果他们能够早点得到治疗，治愈费用可能会少很多。