With two kids and an accident prone adult, medical emergencies such as lacerations, broken bones, or insect bites would probably be unavoidable in our family. As long as anesthesia is not required, an urgent care facility will likely be more bang for my healthcare dollars. Most urgent care facilities are staffed by former ER doctors and nurses, so the quality of care is at par with hospitals. However, not only are they much more prompt, but it also makes financial sense given the one-time, low cost of using an urgent care facility, even one that does not accept insurance. I am glad that in a world of rising healthcare costs and stealth healthcare taxes, urgent care facilities can prove to be a lower cost alternative to traditional hospitals.