Open Enrollment brings opportunities — and unfortunately, it also brings scams.
If you’ve been getting calls, texts, or emails promising “$0 health plans” or “government-approved insurance,” you’re not alone.

Here’s what you need to know to protect yourself and your family this season.

The Rise of Look-Alike Plans

Many ads you see online or on social media promote health plans that sound like Marketplace coverage but aren’t. These plans might:

• Not cover pre-existing conditions

• Exclude prescription drugs

• Limit hospital coverage

• Require you to pay thousands before they cover anything

They use words like “PPO plans”, “ACA approved” or “federally backed” — but those phrases don’t guarantee compliance with the Affordable Care Act.

If it’s not listed on Healthcare.gov or through a licensed Marketplace agent, it’s not an ACA Marketplace plan.

Signs It’s a Scam or Look-Alike Plan

Be cautious if:

• The caller refuses to identify the insurance company or license number

• They pressure you to “sign up right now”

• You’re told you don’t need to provide income information

• They ask for your Social Security number or payment info before showing plan details

Real Marketplace agents are licensed and verified, and will always disclose the insurance company, coverage terms, and subsidy process.

How to Stay Safe

1. Work with a trusted local agent — not a random 1-800 number.

2. Verify your enrollment through Healthcare.gov or your agent’s certified Marketplace link.

3. Ask questions. A real professional will help you understand, not pressure you.

4. Report fraud at reportfraud.ftc.gov if you suspect a scam.

The Bottom Line

If a deal sounds too good to be true — it probably is.
Our team at Mere Benefits helps you navigate the Marketplace safely, making sure your plan is legitimate, compliant, and fully protected.

📞 904-654-5450 | 🌐 www.merebenefits.com
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