$12.5B
FTC-reported fraud losses in 2024
FTC says consumers reported losing $12.5 billion to fraud in 2024.
health insurance enrollment robocall scam
A robocall claims to be from a health insurance marketplace and pressures you to enroll in a plan immediately, collecting your personal and financial data for identity theft.
“robocall”
↑ 126%Key indicators
Usually targetsConsumers
Often hitsSmall business owners
Common regionUnited States
Last updated2026-04-04
Estimated impact
$960
median reported loss
Typical range$120 – $6.0K
Recovery rate~10%
Annual reports50,000
Scam breakdown
1
Robocallers target people during open enrollment periods with messages about health insurance.
2
Live agents posing as marketplace representatives collect SSNs, income details, and banking information.
3
The collected data is used for identity theft or to enroll victims in unauthorized junk insurance plans that generate commissions for the scammer.
What to do first
Enroll in health insurance only through healthcare.gov or your state's official marketplace.
Related terms
ACA enrollment robocall scamfake health marketplace callObamacare phone scamRobocall scamsPhoneRisingConsumersPhone usersOlder adultsSmall business ownersCreators and online sellersRetirees and seniorsUnited StatesACA enrollment robocall scamfake health marketplace call
Real-world example
How this scam plays out in practice
Based on reported patterns. Names and details are illustrative.
The setup
Kevin, 35, a consumers, encountered what appeared to be a legitimate robocall scams situation while using Phone. Robocallers target people during open enrollment periods with messages about health insurance.
Step 2
What happened next was calculated: Live agents posing as marketplace representatives collect SSNs, income details, and banking information.
Step 3
The pressure escalated quickly: The collected data is used for identity theft or to enroll victims in unauthorized junk insurance plans that generate commissions for the scammer.
The outcome
Kevin realized something was wrong when unsolicited call claiming to be from the 'health insurance marketplace' or 'affordable care act office'. By that point, significant damage had already been done — money sent, personal information shared, or trust exploited.
The lesson
Enroll in health insurance only through healthcare.gov or your state's official marketplace. Kevin's experience shows why unsolicited call claiming to be from the 'health insurance marketplace' or 'affordable care act office' and pressures you to enroll immediately or lose your coverage are the clearest early warning signs.
How to identify it
- Unsolicited call claiming to be from the 'Health Insurance Marketplace' or 'Affordable Care Act office'
- Pressures you to enroll immediately or lose your coverage
- Asks for your Social Security number and bank account information over the phone
- Pause before paying, clicking, or sharing information. Scammers rely on speed.
- Verify the sender, company, or agency using a phone number or website you already know is legitimate.
- Treat secrecy, urgency, and off-platform payment requests as strong scam signals.
What to do now
- ✓Enroll in health insurance only through healthcare.gov or your state's official marketplace.
- ✓The Health Insurance Marketplace does not make unsolicited calls asking for personal information.
- ✓Report suspicious health insurance calls to the HHS Office of the Inspector General.
What to save before reporting
- ✓Save the message, profile, phone number, email, or URL that was used.
- ✓Keep payment confirmations, receipts, and account alerts before you dispute or delete anything.
- ✓Write down the timeline while the details are still fresh.
- ✓Save the full chat or call log before blocking the sender so the reporting path still has the original context.
How big is this problem
You are not alone — this scam affects millions of people.
These numbers come from government agencies and official reports. If you have been affected, know that this is a widespread problem — not something that only happens to careless people.
FTC 2024 fraud losses
Imposters
Most common FTC fraud category in 2024
FTC says imposter scams remained the most commonly reported fraud category in 2024.
History and evolution
- This scam family tends to persist because the social-engineering pressure works even when the exact scripts, platforms, and payment methods change.
- The specific packaging evolves over time, but the core pattern usually stays the same: create urgency, control the channel, and push action before verification.
- The Centers for Medicare and Medicaid Services warns consumers that the official Health Insurance Marketplace will not call you unless you have specifically requested a callback.
Recovery and follow-up
- ✓Save the messages, receipts, account alerts, and transaction details before you block or delete anything.
- ✓Report the scam through the official platform or government channel that best matches where it happened.
- ✓Tell close contacts if a phone or text scam used your identity, so scammers cannot reuse the same story against people around you.
- ✓Enroll in health insurance only through healthcare.gov or your state's official marketplace.
- ✓The Health Insurance Marketplace does not make unsolicited calls asking for personal information.
Why this pattern keeps working
Even when the story changes, most scams still use the same pressure pattern: urgency, authority, and a request to move money or data fast.
The Centers for Medicare and Medicaid Services warns consumers that the official Health Insurance Marketplace will not call you unless you have specifically requested a callback.
FTC Consumer Sentinel 2025
Where to report it
If you have been targeted by this scam, reporting it helps authorities track the pattern and protect others. United States has dedicated agencies that handle fraud reports.
ReportFraud.gov
Federal Trade Commission
Central U.S. consumer fraud reporting portal.
File an IC3 complaint
FBI Internet Crime Complaint Center
FBI portal for internet-enabled crime reports.
Start identity theft recovery
IdentityTheft.gov
Official U.S. identity theft recovery plan builder.
Explore further
Understand the bigger picture
Who is most at risk
Who this scam targets
Primary targets
Consumers, Phone users, Older adults
Geographic concentration
United States
Primary channel
Phone — Robocall scams
Why this group is vulnerable
Consumers are particularly vulnerable because this scam exploits trust in familiar brands, authority figures, and time-sensitive decisions. The growing number of reports suggests that awareness among this demographic remains low.
Sources and methodology
How we verify this information
OpenScam tracks scam patterns using a combination of government consumer protection databases (FTC, IC3, Action Fraud), platform-specific fraud reports, and verified consumer complaint data. Each entry is cross-referenced against at least two independent sources before publication.
Severity ratings are based on financial impact potential, reversibility of damage, and volume of reports across multiple reporting channels. Trend velocity reflects the rate of change in report volume over the most recent 90-day window.
This page was last verified on 2026-04-04. Red flags, recovery steps, and reporting resources are reviewed quarterly against current agency guidance.
Evidence and indicators
- The Centers for Medicare and Medicaid Services warns consumers that the official Health Insurance Marketplace will not call you unless you have specifically requested a callback.
Source notes
- FTC Consumer Sentinel 2025
Frequently asked questions
Common questions about health insurance enrollment robocall scam
How does the health insurance enrollment robocall scam work?+
Robocallers target people during open enrollment periods with messages about health insurance. Live agents posing as marketplace representatives collect SSNs, income details, and banking information. The collected data is used for identity theft or to enroll victims in unauthorized junk insurance plans that generate commissions for the scammer.
What are the warning signs of health insurance enrollment robocall scam?+
Unsolicited call claiming to be from the 'Health Insurance Marketplace' or 'Affordable Care Act office' Pressures you to enroll immediately or lose your coverage Asks for your Social Security number and bank account information over the phone
What should I do if I encounter health insurance enrollment robocall scam?+
Enroll in health insurance only through healthcare.gov or your state's official marketplace. The Health Insurance Marketplace does not make unsolicited calls asking for personal information. Report suspicious health insurance calls to the HHS Office of the Inspector General.
Who is most at risk for health insurance enrollment robocall scam?+
This scam primarily targets Consumers, Phone users, Older adults. It is most commonly reported in United States and typically appears on Phone.
Is health insurance enrollment robocall scam on the rise?+
health insurance enrollment robocall scam is currently on the rise with growing reports. It has been reported across US. Last updated 2026-04-04.
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Help someone avoid this scam.
Scammers succeed because people do not talk about it. If you or someone you know has been affected, there is no shame in it — it happens to millions of people every year. Share this page with friends and family so they know what to look for.