Scam category
Insurance scams
Insurance scams target consumers during open enrollment periods, after life events, or through cold calls offering deals that sound too good to be true. Scammers sell fake policies that provide no coverage, impersonate Medicare representatives to steal personal information, or use bait-and-switch tactics to enroll people in plans they did not choose.
Category activity
“health insurance scam”
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- An unsolicited call or door-to-door visit offers insurance with premiums far below comparable plans from known carriers.
- The agent pressures you to provide your Medicare ID, Social Security number, or banking information over the phone.
- The insurance company has no listing with your state's department of insurance and cannot provide a valid license number.
Common searches
OpenScam News Feed
fake health insurance plan scam
Scammers sell fraudulent health insurance plans that collect premiums but deny or fail to pay claims when the policyholder needs coverage.
Verify any health plan through your state's Department of Insurance.
Uninsured adults
U.S.
ACA marketplace impersonator scam
Scammers impersonate healthcare.gov or state marketplace representatives during open enrollment to harvest personal and financial information.
The official marketplace will never cold-call asking for payment or SSN.
Uninsured adults
U.S.
car insurance bait and switch scam
An advertised auto insurance quote is far below market rate, but after payment, the actual policy has major exclusions or the insurer is not licensed in the state.
Verify the insurer's license through your state Department of Insurance website.
Drivers
U.S.
home warranty scam
A telemarketer sells a home warranty that charges premiums but routinely denies claims, has extensive hidden exclusions, or disappears when service is needed.
Research the company's complaint history on the BBB and your state attorney general's website.
Homeowners
U.S.
flood insurance scam
After a natural disaster, scammers pose as FEMA or NFIP representatives and sell fake flood insurance policies or charge fees for free disaster assistance.
FEMA does not charge for disaster assistance — any request for payment is a scam.
Homeowners
U.S.
life insurance scam
Scammers sell fake life insurance policies, often targeting seniors, collecting premiums for coverage that does not exist with any legitimate insurer.
Verify the agent's license and the insurance company through your state insurance department.
Seniors
U.S.
dental plan scam
A company sells a dental discount plan disguised as dental insurance, leading buyers to discover they have no real coverage when they visit a dentist.
Ask specifically whether the product is insurance or a discount plan — they are legally different.
Families
U.S.
identity theft protection scam
A company sells an identity theft protection plan that provides little or no actual monitoring, while collecting sensitive personal data that increases the customer's risk.
Use the free credit monitoring offered by breached companies or annualcreditreport.com.
Data breach victims
U.S.
pet insurance scam
A company sells pet insurance with attractive premiums but denies claims using broad pre-existing condition exclusions or turns out to be an unlicensed entity.
Verify the pet insurance company through your state's insurance department.
Pet owners
U.S.
disaster insurance upsell scam
After a natural disaster, scammers approach homeowners with high-pressure sales for overpriced or unnecessary supplemental insurance coverage.
Contact your existing insurer before purchasing any supplemental disaster coverage.
Homeowners
U.S.
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