I don't think you understand. They only have to make case for "their end" to not apply to the specific case, and it's okay. Same as firing someone for incompetence because you suspect them of theft. Realize, an employer has this option always. Why bother "playing the game".

> [...]you can't fire someone or deny coverage based on reasons that can be contested. It's not fraud if you fire them for some other reason. It's not fraud if you don't even know why you denied coverage.