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but why would they fool with their medical card? for what?
but beside that - it doesn't matter what you do, people will find a way to commit fraud/crime. you can do same with microchip - just simply take out a scalpel and cut it out and then put it in somebody else. it's not that deep inside.
But it would leave a noticeable hole where the microchip was removed. Plus that's highly unlikely that someone would go to that length, and microchips are something we don't have to worry about - too many religious conservatives would be against it as it would be another step towards Revelations.

not at all.