<< AppleCare is one year free ... >>
That is not quite correct.
Apple provides a one year manufacturer's warranty, which covers ONLY defects in materials or workmanship.
Example: glass breakage is generally Not covered under Apple warranty, because it is generally not found to be a defect in materials or workmanship.
AppleCare PLUS covers more items, but under different terms, and if you don't sign up for AppleCare plus in the first 60 days, you can NOT sign up later.
Example: Screen replacement is covered for up to two such events in the coverage period, but a co-pay of about US$100 is required (about the cost of the labor for a screen replacement -- the Full Retail price of which can exceed US$800)
NB>> If you made the decision to NOT pay for the AppleCare PLUS extended warranty, you made a decision to bear the cost of repairs during the remainder of extended warranty period yourself.