Under ObamaCare, both patients and insurers will game the system -- albeit in different ways.
Patients will sign up for their "mandatory coverage" when they need it, then drop it (and pay the penalties) when they don't need it.
Insurers will try to shift as many administrative expenses as possible into "medical spending" in order to meet legal requirements that a certain percentage of their revenue be spent as "medical costs".
Nor can lawmakers call these "unintended consequences". Instead, these are entirely predictable responses to government controls.