Scam of the day – March 31, 2014 – Affordable Care Act (Obamacare) scams

Today is the deadline for the applying for health insurance under the Affordable Care Act (Obamacare) under the initial open enrollment period.  People required to enroll who have not started the process by today face being assessed with a financial penalty.   This is a great opportunity for uninsured people to purchase health insurance.  It is also a great opportunity for identity thieves and scam artists to take advantage of the confusion that surrounds the Affordable Care Act and try to steal your money and your personal information which they can use to make you a victim of identity theft.  There are a number of phony Affordable Care Act websites and people are also receiving calls from identity thieves and scammers posing as legitimate insurance brokers where the goal is merely to obtain your personal information and make you a victim of identity theft.

TIPS

Never give personal information to anyone over the phone who calls you regardless of who they say they are because you can never be sure of their true identity.  Even if your Caller ID indicates that they are legitimate, scammers and identity thieves are able to manipulate Caller ID through a technique called spoofing whereby they are able to make their call appear to be from a legitimate source.  As for websites dealing with the Affordable Care Act, the problems initially occurring with the functioning of the website have been eliminated.  The best source of information both as to how to learn about the Affordable Care Act and to sign up for a plan is https://www.healthcare.gov/