Scams

Consumer Enrolled in Unauthorized Marketplace Plan

A Palm Beach County woman contacted the Florida Department of Financial Services about an unauthorized marketplace plan. She was already on Medicaid and did not consent to enrollment in the Healthcare Marketplace Plan. The agent did not follow proper consent procedures and their affiliation with the company was terminated. If you feel you have been illegally enrolled in a Marketplace Health Plan, contact the Florida Department of Financial Services immediately at 1-877-MY-FL-CFO (693-5236).

Enrolled in Fradulent Marketplace Policy

A Polk County woman discovered she had been enrolled in a marketplace health plan even though she had existing coverage. After contacting the Florida Department of Financial Services, it was determined that the allegations of unauthorized enrollment were substantiated. If you feel you have been illegally enrolled in a Marketplace Health Plan, contact the Florida Department of Financial Services immediately at 1-877-MY-FL-CFO (693-5236).

Unauthorized Marketplace Enrollment in St. Johns

The Department of Financial Services received a complaint from a Saint Johns County woman who's husband was enrolled in an unauthorized marketplace health insurance plan without their consent. The agency and broker were unable to provide documentation of consent for the plan enrollment.

Insurance Agent Scams Consumer Into Health Insurance Policy

The Department of Financial Services received a report of a Leon County woman who felt she was scammed into agreeing to a new and unneeded health insurance policy after being approached by an insurance agent claiming to work for her insurance company. The consumer has insurance through her employer but the agent said he could get her a discount on her plan and took her information. He did not contact her again and when completing her taxes she found the information had been used to open a policy in her name. If you feel you have been enrolled in an unauthorized life or health insurance policy, contact the Florida Department of Financial Services at 1-877-MY-FL-CFO (693-5236).

Unauthorized Policy Written for County Jail Inmate

The Department of Financial Services received a complaint that an insurance policy was written in the name of a Suwannee County Jail inmate, The inmates personal information was targeted and stolen via identity theft and used to open the fraudulent insurance policy. If you feel you have been illegally enrolled in an insurance plan, contact the Florida Department of Financial Services immediately at 1-877-MY-FL-CFO (693-5236). Consumers should also report any signs of ID Theft to the Federal Trade Commission at IdentityTheft.gov.

Georgia Woman Reported an Unauthorized Florida Marketplace Enrollment

The Department of Financial Services received a report from a Georgia woman that she was enrolled in a Florida Marketplace Plan without her consent. The company confirmed that the allegations were substantiated in their internal review and referred the agent for disciplinary action. If you feel you have been illegally enrolled in a Marketplace Health Plan, contact the Florida Department of Financial Services immediately at 1-877-MY-FL-CFO (693-5236).

  • Date Reported: Mar 19, 2025
  • County/Counties Where Scam Occured:
  • Type of Scam: Insurance - Health

Agent Uses Other Agent Information For Unauthorized Plan Enrollment

The Department of Financial Services was contacted by a licensed agent to report that they had been signed up for an unauthorized Marketplace plan by another agent using their private information. The insurance company's investigation also confirmed that the policy was unauthorized. The agent has several other complaints against them including from other insurance agents in addition to the agent who initially contacted the department. If you feel you have been illegally enrolled in a Marketplace Health Plan, contact the Florida Department of Financial Services immediately at 1-877-MY-FL-CFO (693-5236).

Fradulent Marketplace Policy Enrollment with Suspicious Voice Consent Recording

The Department of Financial Services received a report from a consumer that he was signed up for a Marketplace policy without his consent. He already has insurance through his union policy, and has not spoken with any agents. The insurance agency provided an audio recording of consent which included several oddities and may have been an AI impersonation. If you feel you have been illegally enrolled in a Marketplace Health Plan, contact the Florida Department of Financial Services immediately at 1-877-MY-FL-CFO (693-5236).

Insurance Agent Fradulently Changes Agent of Record Information for 45 Policies

The Department of Financial Services received a report from an Orange County resident that their insurance coverage had been changed to a different agent of record without their consent. The consumer reported that 45 of their clients had been incorrectly changed to the same new agent of record. The new agent of record could not provide a recording or consent documentation for the change. If you feel you have been impacted by this scheme or something similar, contact the Florida Department of Financial Services at 1-877-MY-FL-CFO (693-5236).

First Responders Sold Unlicensed Insurance Plan

The Florida Department of Financial Services received a request for assistance for insurance claim processing. The plan was marketed to retired first responders, however the company did not respond to multiple contact attempts from the consumer. The company issuing the plans was discovered to be unlicensed. Always verify the license of an insurance agent or company by visiting https://licenseesearch.fldfs.com/.

Unapproved Marketplace Plan

A consumer reported that when filing taxes, they found someone had applied for a healthcare marketplace plan using their personal information. If you feel you have been illegally enrolled in a Marketplace Health Plan, contact the Florida Department of Financial Services immediately at 1-877-MY-FL-CFO (693-5236).

Insurance Agent Sets Up Unauthorized Policy with False NPN

The Department of Financial Services received a report from a consumer was enrolled in an individual marketplace policy despite having group coverage through their employer. The agent was using a different agent's NPN because the enrolling agent did not have proper appointments. The policy was canceled by the company retroactively. If you feel you have been illegally enrolled in a Marketplace Health Plan, contact the Florida Department of Financial Services immediately at 1-877-MY-FL-CFO (693-5236).

Agent With Over 3,700 Complaints Misleads Consumer Into Plan Enrollment

The Department of Financial Services was contacted by a consumer regarding an unauthorized Marketplace enrollment. They advised the Department that they were misled that the policy was a free insurance product. If you feel you have been illegally enrolled in a Marketplace Health Plan, contact the Florida Department of Financial Services immediately at 1-877-MY-FL-CFO (693-5236).

Agent with Multiple Complaints Enrolled Consumer in Unauthorized Plan

The Department of Financial Services received a complaint from a Pasco County woman who was enrolled in a plan in May of 2024 with a consent form signed in February of 2024. The consent form had several problems with incorrect information and the time of signature was suspect. The agent has had over 180 prior substantiated complaints. If you feel you have been illegally enrolled in a Marketplace Health Plan, contact the Florida Department of Financial Services immediately at 1-877-MY-FL-CFO (693-5236).

Senior on Medicaid Enrolled in Unauthorized Marketplace Plan

The Department of Financial Services received a report that a Volusia County senior citizen was enrolled in an unauthorized Marketplace policy even though she was already on Medicaid. The enrolling documents contained multiple inaccuracies, and was unable to provide documentation of consent for the policy enrollment. The policy was later terminated and the insurance agent was given a Notice of Action letter. If you feel you have been illegally enrolled in a Marketplace Health Plan, contact the Florida Department of Financial Services immediately at 1-877-MY-FL-CFO (693-5236).

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