Among the provisions deep inside O'Care? An open invitation to fraud. According to Reason’s Tori Richards: “Tucked inside nearly 11,000 pages of the Affordable Care Act is a little-known provision that doles out three months of free health care to individuals who choose to default on their premiums. People who receive the federal subsidy to be part of Obamacare will be allowed to incur a three-month ‘grace period’ if they can’t pay their premiums and then simply cancel their policies, stiffing the doctors and hospitals. Their only repercussion is that they have to wait until the following year’s open enrollment if they want coverage on the exchange. … Under Section 156.270 of the Affordable Care Act, the insured needs to pay a premium for just one month before qualifying for the three-month grace period. The insurance company must pay the claims during the first month of the grace period; during the second and third month doctors and hospitals are left to collect unpaid bills.”