Watch Out for Scammers

Scammers may try to exploit the Patient Protection and Affordable Care Act. Don't let them!

Consumers across the nation have been receiving phone calls and emails from scammers using the Patient Protection and Affordable Care Act (Affordable Care Act) to commit identity theft. There are several common versions of these scams. Report any suspected fraud to Covered California's Office of Consumer Protection by calling (800) 300-1506 or by emailing us at


A fraudster claiming to be a government official asks for personal information in order to send out an “Obamacare” insurance card.

There is no “Obamacare” card associated with the Affordable Care Act. All coverage through the Covered California is traditional, private insurance coverage between you and a health insurance company.

An imitation website asks you to enter your confidential information or payment.

Only is authorized to accept enrollment in Covered California products online.

A caller pressures a senior into “updating their Medicare information to continue eligibility,” in order to steal their Social Security number.

Medicare recipients do not need to do anything under the Affordable Care Act.

A bogus “Navigator” seeks to charge you for assistance signing up with Covered California.

Any consumer assistance from Covered California will be free. See below for details on who is authorized to receive your payment information.

The salesperson tries to sell you health care with aggressive sales tactics — for example, by saying the government or Internal Revenue Service (IRS) will give you jail time if you do not comply or by offering a “one-time only, special discount."

Covered California will never use aggressive sales tactics, and under the Affordable Care Act there are no criminal penalties for failure to carry health insurance. To learn more about the requirement to carry insurance beginning in 2014, visit

A scammer claims to be calling from the IRS, requesting your confidential information in order to “send you your Obamacare tax credit.”

Advanced premium assistance is handled by the IRS and transmitted directly to the health insurance company. Eligibility for premium assistance is available only through Covered California. Coverage itself takes effect no sooner than Jan. 1, 2014.