TIMES  |  Health

How Fake Health Insurance Is Luring People In

假健康保险如何吸引人们

In search of affordable health care coverage, more Americans are accidentally buying fake insurance.

In search of affordable health care coverage, more Americans are accidentally buying fake insurance.

2025-10-30  2229  晦涩
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Within a few minutes, she was registered for a plan that she thought was ACA-compliant. But Bower had instead signed up for what’s called a fixed indemnity plan, which is not actually health insurance and which just pays a small amount for covered services. She didn’t realize that she didn’t have proper health insurance until the fall of 2025, when her son was looking for a tax form that proved she had marketplace insurance and, unable to find it, started digging into her health care paperwork.

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