回複：我可以不付醫療費用嗎？

If no admission (hospitalization), you only need to pay $100 ER copay (no more than $200 in any decent employment-based insurance plan), your health insurance will pay the rest.

If your insurance is PPO type (very likely for many cheap student insurance plans using your after-tax money), you may need to pay some co-insurance and out-of-network part. This is the risk of join a low premium health plan.