FBI Warns Americans of Increasing Medical Insurance Scams

The FBI has issued multiple warnings about a surge in scams involving fraudulent discount medical insurance schemes, impersonation of officials, and the use of advanced technologies like AI and spoofed numbers to trick victims. Discount health insurance scams target those seeking affordable coverage, pressuring victims with misleading offers that leave them responsible for all medical costs. Other schemes involve scammers pretending to be doctors, police, or banks—sometimes linking victims’ identities to alleged crimes and demanding wire transfers or sensitive information. These cons often re-target prior fraud victims through social media or support groups, promising fund recovery but instead stealing more data. Authorities recommend verifying credentials, using official channels, and remaining calm when approached with urgent or suspicious requests to help prevent falling victim. Consumers are also urged to check the legitimacy of insurance providers with state regulators before signing up.