Are the uninsured freeloaders?

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A common trope among Obamacare defenders is the oft-asserted claim that the uninsured are “freeloaders.” What makes them freeloaders, so goes the claim, is that when they get sick they go to the ER, then let someone else pick up the tab.
Do those who spout this popular objection bother to think through the logic of the objection?
i) Why assume that when the uninsured get sick, they must go to the ER? If you’re uninsured, you come down with the flu, and you want a prescription, can’t you schedule an appointment at a medical clinic, then pay on the spot?
ii) But suppose you go to the ER? Won’t you be billed? Hospitals are businesses. They charge for their services.
Are Obamacare defenders claiming that the uninsured never pay their medical bills?
iii) Suppose you don’t pay. (a) either you’re able, but unwilling to pay, (b) or else you’re willing, but unable to pay.
In case of (a), how is that different from any other unpaid bill? That’s what collection agencies are for.
If case of (b), if the uninsured are too poor to pay their medical bills, how can they afford mandated health insurance?
And if their mandated health insurance is subsidized, aren’t they “freeloaders”?
Am I missing something?