No you aren't. EMTALA, the Emergency Medical Treatment & Labor Act of 1986 specifically says everyone will be treated regardless of any ability to pay.
If someone doesn't have the ability to pay, guess who ends up paying? Everyone else.
Not having the ability to pay doesn't mean you aren't responsible. If you do have the ability to pay, and you are required to have insurance that gives you that ability to pay, then you are responsible.
If someone doesn't have the ability to pay, guess who ends up paying? Everyone else.