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Health Insurance Exchange

How the scam works:

The Affordable Care Act – also known as Obamacare in the US – has caused a great deal of confusion for all who are affected by the changes in health insurance coverage requirements. Many people are nowadays being targeted by scammers trying to take advantage of the confusion generated by this controversial legislation.

The scam involves callers identifying themselves as government program officials or representatives of Medicare or a health insurance exchange. They are asking citizens to verify personal identifying information such as their bank account information, social security number and Medicare ID, in order to facilitate a health insurance exchange or to issue them with a new Medicare ID card.

Criminals are also presenting themselves as part of a Medicare program that provides life alert systems to the elderly – a program that does not exist. But the underlying reason for the call is to gain access to personal information, leading to identity theft. But that's not all.

Watch the video below to see a different kind of Obamacare insurance scam pulled by companies:

Obamacare Insurance Scam Video


How to avoid the Affordable Care Act scam:

The deadline for the open enrollment was February 15, 2015, but there was a Special Enrollment Period that was added until April 30, for those who qualify. Here is where the scammers take advantage of confused people about the enrollment and qualifications, so be aware not to pay any fees to unknown individuals or organizations. On the other hand, there are no Medicare programs that cover or provide life alert systems to the elderly. In fact, Medicare does not cover such systems under their policies.


It is also important to remember that government program representatives or Medicare representatives will never make house calls to individuals. Receiving such a call is a definite red flag that the caller is a scammer. Also, do not ever give any caller your personal identifying information such as social security numbers, Medicare or bank account numbers.

How to report the Affordable Care Act scam:

Make your family and friends aware of this scam by sharing it on social media using the buttons provided. You can also officially report the scammers to the Federal Trade Commission using the link below:

Report Scammers To The FTC Here


How to protect yourself more:

If you want to be the first to find out the most notorious scams every week, feel free to subscribe to the Scam Detector newsletter here. You'll receive periodical emails and we promise not to spam. Last but not least, use the Comments section below to expose other scammers.


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Educate yourself with the videos below:


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3. The Nigerian Scam [Docu-Drama]

This movie shows how a victim lost over $30,000 to an intricate scheme which is still around years later.

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