July 7, 2011; Source: New York Times | The nonprofit sector has long been the informal default source of “medical insurance” for the poor.  We all know that when poor people without health insurance need treatment, they go to emergency rooms and nonprofit health clinics in search of charity care.  A significant slice of nonprofit health services are spent providing health coverage to people without insurance. Some people think that charity care and emergency rooms are adequate for protecting the health of poor people.

A new study published by the National Bureau of Economic Research compared the behavior of people with health insurance with those without ins