Primary and Urgent Care for all U.S. people

Emergency rooms are filled 75% of visits which could be better served and faster served and at 1/4th the cost at Urgent Care or primary care clinics. The reasons people do go to the ER for primary care and urgent care visits are :
1. They do not have a primary care physician because they do not have insurance
2. If they have a primary care physician, they can not access their clinic on short notice when they are become ill or with minor injuries
3. ER and Ambulances cannot refuse to see ill patients for fear of suit.
4. have only major medical insurance with high deductible and thus they wait until their illness is a major problem to get help at the ER

And many patients wait until their minor illnesses have become major
Example, bronchitis turning to pneumonia
Early appendicitis turning to rupture with sepsis
Moderate hypertension untreated going to Heart attack or stroke
Solution
All insurance companies should offer a lost cost copay for all members for primary care and urgent caare
All employers should be required to pay at least 7% of payroll for a basic health benefit which would include low copayment for primary care services If the employers do not offer this 7% benefit they must pay a 10% payroll tax to the governemnt who would then offer these employed persons a type of medicare benefit