Rapid change to our nation's health insurance system has put some Americans at an increased risk of being scammed. Criminals are targeting senior citizens and consumers who are new to purchasing health insurance in hopes of stealing their personal health and financial information.

Protect yourself from fraud related to the Affordable Care Act (ACA) and avoid getting scammed at any time by following these tips.

Medicare

No one currently on Medicare needs to sign up for "Obamacare" or do anything else related to the ACA law. If someone contacts you and claims to be from the government or Medicare, and asks you to pay for a new "Obamacare" ID card, it is a scam.

See other ways to report Medicare fraud.

Coverage

Not everyone is required to get new coverage. If you get your health insurance through your employer, you do not need to take any further action. If someone contacts you and says you must pay for a new "Obamacare" ID card, it is a scam.

Shopping

If you want to buy coverage directly from an insurance company, make sure the company is legitimate. If you are unsure about the company or an agent that you are dealing with, call your state health insurance department and confirm that the company or agent is legitimate and licensed in your state before giving them any information. 

If you think your financial information has been stolen by a health insurance scammer, contact your local police department and file a complaint with the Federal Trade Commission.

Protect

Protect your health plan information. Never give your personal information or health insurance number over the telephone or Internet, or to door-to-door solicitors.

Review

Review your health plan's online claims record frequently, even if you haven't been to the doctor lately, to ensure claims aren't made for treatment you didn't receive.

Study

Study your medical bills and Explanations of Benefits statements, just as you would your bank statement. Call the number on the bill if you have any questions. 

Shred

Shred medical bills or Explanations of Benefits statements before discarding them, just as you would a credit card or bank statement.

Request

Request that your health plan and provider give you an accounting or history of disclosures. This will allow you to identify anyone who looked at your records, see what has been disclosed, and review the record of your treatment for accuracy. Federal privacy law requires your provider to comply with this request.

Report

If you observe activity that resembles what you've learned here, you can submit a report online. All information received is confidential, and you may remain anonymous if you choose.

If you suspect that someone has attempted to steal your personal health or financial information, report it to your state attorney general's office.

If your insurance card is stolen, report it by calling one of the 24-hour confidential toll-free hotlines below.

  • Washington: 1 (800) 922-4325
  • Idaho: 1 (800) 323-1693
  • Oregon: 1 (888) 207-4211
  • Utah: 1 (866) 626-8555