The low co-pay gap between emergency room visits and primary care doctors is tempting employees to get their "everyday ailments" taken care of at a hospital rather than a doctor's office.

A new study finds the average ER visit co-pay is just $76. As such, patients – who may or may not have insurance – are flooding ERs with relatively minor conditions such as toothaches and sprains, which are among the 10 most common conditions for visiting hospital emergency rooms.

No wonder ER triage is a nightmare.

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