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FBI Issues Nationwide Alert on Fake Medical Insurance Scam Costing Millions

The scam targets vulnerable consumers with misleading offers, leaving victims liable for full healthcare costs after paying for nonexistent coverage.

The seal of the Federal Bureau of Investigation (FBI) on the J. Edgar Hoover Federal Bureau of Investigation (FBI) building in Washington, DC, US, on Monday, March 10, 2025. (Photo by Brendan SMIALOWSKI / AFP)
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Overview

  • The FBI has issued a nationwide warning about a scam involving fake discount medical insurance plans, which has already caused millions of dollars in losses.
  • Fraudsters use unsolicited calls, texts, or emails to pressure victims into quickly purchasing bogus plans with promises of reduced premiums and full coverage.
  • Victims, including cases in Pennsylvania, Maryland, and Texas, report paying for plans that provide no actual coverage, leaving them responsible for full medical expenses.
  • Washington state has issued a cease-and-desist order against one company operating under multiple names after receiving over 100 complaints of fraudulent practices.
  • The FBI advises consumers to verify insurance plans through state licensing bodies or the Better Business Bureau and report suspected scams to the Internet Crime Complaint Center (IC3).