Insurance commissioners warn about potential Affordable Care Act scams

KANSAS CITY, Mo. - The Kansas and Missouri Insurance Department have issued warnings to consumers about scammers using the Affordable Care Act as a ploy to get your personal information and money.

In this month's blog, Kansas Insurance Commission Sandy Praeger wrote, "Since the Affordable Care Act (ACA) was signed into law in March 2010, unscrupulous scammers have been creating ways to take advantage of consumers' uncertainty surrounding the law."

This week, the Missouri Insurance Department recommended, "Missourians should first make sure they are dealing with a licensed insurance agent (producer) or navigator."

Here are some red flags.

1) If you get an unsolicited phone call or email from someone trying to sell insurance, be wary. Remember, the government does not contact consumers to sell insurance.

2)  If someone tries to pressure you into buying a policy because the rate is only good for a short time, that is a red flag.  Remember, exchange enrollment is open until March 31, 2014.

3)  If a salesman says you could go to jail for not having health insurance, that's wrong.   You will not face jail time.

"The mantra around here is stop, call, confirm," Ted Clark of the Kansas Insurance Department said.  "Stop before you sign the check or sign up for any type of coverage; call us… before you do any kind of business.  Stop, call and confirm."

INSUREKS.ORG walks you through the process and you can use the cost calculator. At the Missouri website , you can check to see if an agent is licensed. 

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