Despite Winger's protestations, it's obvious that a program such as the subsidies in ObamaCare is going to bring wide spread cheating that's going to explode the costs. Only the truly naive can look at the IRS paying out an estimated $132 BILLION dollars in fraudulent claims over the last ten years and not realize that there is no way in God's green earth that they are going to be able to police who's eligible for subsidies under ObamaCare. The reason those Navigators are telling O'Keefe's undercover to lie is that they KNOW there's little chance of him ever being caught doing so.