FTC Strengthens Consumer Protection Against Insurance Scams During Enrollment

The U.S. Federal Trade Commission (FTC) is ramping up efforts to protect consumers from insurance scams, particularly during critical periods such as the Medicare and Health Insurance Marketplace Open Enrollment. The agency is committed to fostering a competitive marketplace while ensuring legitimate business operations remain unimpeded.

This year marks a significant milestone as Americans celebrate 250 years of independence, highlighting the enduring importance of consumer protection. Under the leadership of Chairman Andrew N. Ferguson, the FTC continues to focus on curbing fraudulent activities that pose heightened risks during peak insurance enrollment periods. Scammers often exploit these opportunities to extract personal information or promote insufficient health plans, making consumer education a top priority.

Engagement and Education Initiatives

The FTC is taking proactive steps by organizing educational initiatives in collaboration with key stakeholders such as the Centers for Medicare and Medicaid Services, the State Health Insurance Assistance Program, and the Senior Medicare Patrol. These efforts aim to equip the public with knowledge and strategies to counteract scam tactics effectively.

An upcoming virtual panel discussion, moderated by FTC Consumer Education Specialist Gema de las Heras, is scheduled for September 29, 2026, at 1 PM ET. This event will offer valuable insights into the methods used by scammers and the protective measures individuals should adopt to safeguard their personal information.

Participatory Framework and Privacy Considerations

The FTC is steadfast in maintaining transparency and security in its dealings with the public. It adheres to privacy laws, including the Freedom of Information Act, ensuring that any personal information collected during event registrations is handled with care. While legal obligations may necessitate the disclosure of certain information, the FTC strives to protect individual privacy by excluding personal contact details from public records.

Participation in the September session indicates consent for potential inclusion of contributions in photos, videos, or recordings shared across the FTC's digital platforms. This initiative underscores the agency's dedication to educating consumers while upholding robust privacy protections. Insurance professionals and consumers alike stand to benefit from a better-informed marketplace equipped to deal with deceitful practices effectively.