They become so as soon as something happens they had not planned and and they cannot pay for it.
Presumption of guilt doesn't fly in a free society. If and when someone racks up bills they can't pay, you're welcome to call them freeloaders. The fact of the matter is that insurance is only one way to pay for health care. It might be your favorite, but that doesn't justify forcing it on everyone else.
As long as the government is going to force medical facilities and personnel to give them care I have no problem with them being forced to not take advantage of that fact.
One bad turn deserves another, eh? How about, instead of just perpetuating the bullshit with even more coercive laws, we just get rid of the original problem. Seriously, if all the stingy bastards upset by EMTALA just worked to repeal it, instead of concocting more and more corrupt schemes to compensate for it, the problem would solve itself.