Last Christmas Eve, Justine Bradford-Trent slipped on ice, slamming to the ground. Her elbow swelled. Was it broken? She couldn’t tell.  Because Bradford-Trent was uninsured, she weighed her options. She could go to the emergency room, the immediate but more costly option. The urgent care center cost less, but it was closed for the holiday. The Idaho resident decided to wait and, once the swelling subsided, she concluded it was just a bad bruise.