This is like using a howitzer to kill a mosquito.
If utilization rates are too high because some patients are abusing the system, raise the co-pays for unnecessary visits. And keep raising them until the problem is reduced.
And then cut areas without 24/7 urgent care coverage some slack.
That’s what happened with my BCBS Texas plan. Last year an ER visit was $50. This year it is $200. It definitely makes us double check if we need an ER visit.
Unfortunately I have three kids, two of which (oldest and youngest) were born premature and have, at least in the past, required several ER visits late at night due to problems breathing and other issues.
Fortunately they are getting older now (6, 3, 2) and many things can be taken care of at Urgent care when their pediatrician’s office is closed.