How This Scam Works
1
Scammers ramp up activity during open enrollment periods (Oct-Dec for Medicare, Nov-Jan for ACA marketplace).
2
They pose as marketplace navigators, Medicare representatives, or insurance agents offering free plan reviews.
3
They collect Medicare numbers, Social Security numbers, and financial information under the guise of enrollment.
4
Stolen information is used for medical identity theft, fraudulent billing, or sold on the dark web.
Warning Signs
Unsolicited call about health insurance during open enrollment
Caller asks for your Medicare number or Social Security number
Promises of $0 premium plans or free coverage
Pressure to enroll immediately or lose coverage
Door-to-door sales pitches for health insurance plans
Real Examples
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How to Protect Yourself
Use healthcare.gov or call 1-800-318-2596 for marketplace plans
Use medicare.gov or call 1-800-MEDICARE for Medicare
Never give your Medicare number to an inbound caller
Legitimate enrollment counselors are available free through SHIP programs
Report suspicious health insurance calls to 1-800-HHS-TIPS
Frequently Asked Questions
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