--- title: Watch out for health insurance scams during open enrollment description: Medicare open enrollment runs Oct. 15 to Dec. 7 and employer-sponsored plans have similar timelines. See what health insurance scams are trending. image: https://blog.hiya.com/hubfs/Open-enrollment-scams-feature_blog.png --- [![Hiya logo](https://blog.hiya.com/hubfs/hiya-new-purple.svg)](https://www.hiya.com/) Solutions Solutions [For Mobile Operators Protect your network](https://www.hiya.com/solutions/operators) [For Businesses Brand your calls](https://www.hiya.com/solutions/businesses) [For People Get the mobile app](https://www.hiya.com/products/apps/hiya-spam-blocker) ###### Webinar Branded Calling 101 Weekly Webinar Make your company's calls more recognizable. Learn how Hiya can drive value for your business. 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[Read eBook Arrow Right](https://www.hiya.com/resources/ebooks/10-tips-for-customer-friendly-phone-calls) [Get Started Arrow Right](https://www.hiya.com/#audience) [Log in](https://connect.hiya.com/login) [Get started](https://www.hiya.com/#audience) - [Home](https://hiya.com) - [Blog](https://blog.hiya.com) - [Watch out for health insurance scams during open enrollment](https://blog.hiya.com/watch-out-for-health-insurance-scams-during-open-enrollment) [Scam Trends](https://blog.hiya.com/tag/scam-trends) [Spam & Fraud Protection](https://blog.hiya.com/tag/spam-fraud-protection) # Watch out for health insurance scams during open enrollment [Jonathan Nelson](https://blog.hiya.com/author/jnelson) Oct. 23, 2025 [![](https://blog.hiya.com/hubfs/icon-fb.svg)](https://www.facebook.com/sharer/sharer.php?u=https://blog.hiya.com/watch-out-for-health-insurance-scams-during-open-enrollment) [![](https://blog.hiya.com/hubfs/icon-x.svg)](https://twitter.com/intent/tweet?url=https://blog.hiya.com/watch-out-for-health-insurance-scams-during-open-enrollment&text=Watch+out+for+health+insurance+scams+during+open+enrollment) [![](https://blog.hiya.com/hubfs/icon-linkedin.svg)](https://www.linkedin.com/shareArticle?mini=true&url=https://blog.hiya.com/watch-out-for-health-insurance-scams-during-open-enrollment) ## At a glance ![A persons hands writing in a journal on a desk next to an open laptop taking notes about insurance choices](https://blog.hiya.com/hubfs/Open-enrollment-scams-feature_blog.png) In the United States, autumn brings cooler temperatures, changing leaves, and a bombardment of health insurance scams during open enrollment. That’s the one time of the year Americans can make changes to their health insurance plans. The open enrollment period for Medicare — the government-funded health insurance for those 65 and older — runs from Oct. 15 to Dec. 7. Most employer-sponsored health insurance plans also have their open enrollment period in the fall, generally in that same October to December timeframe. Here are 3 things to watch out for during this year’s open enrollment period. ### 1.  Medicare scams Medicare scams are the #1 type of phone scam in the United States. They are common year round, but they surge during open enrollment. There are a wide range of Medicare scams. Sometimes fraudsters steal money by convincing seniors to pay for a service that is already covered. But often, the more valuable prize is to obtain a victim’s Medicare number and other personal information. With that information, scammers can bill Medicare on an ongoing basis for bogus medical services or medical equipment. ![Medicare scams in the US@2x](https://blog.hiya.com/hs-fs/hubfs/Medicare%20scams%20in%20the%20US@2x.jpg?width=612&height=389&name=Medicare%20scams%20in%20the%20US@2x.jpg) ### 2.  Scammers mining for personal information When you sign up for a new health insurance plan, a lot of personal information is required to process the application. Scammers know that, and use health insurance as a way of extracting personal information that can later be used for identity theft. Consumers using [Hiya’s spam protection service](https://www.hiya.com/products/protect/spam-analytics) have reported receiving a wide variety of unwanted calls related to health insurance. Sometimes the scammers will pretend to represent a large, well-known health insurance company like UnitedHealthcare. Other times they may make up a name of a company that sounds legitimate but doesn’t actually exist, like Healthcare Solutions. Users also report that the caller ID is commonly spoofed, so the name of an insurance company (real or invented) appears when the phone rings. ### 3.  Health insurance plans that aren’t health insurance With rising costs, consumers are always looking for ways to save money on their health insurance plans. But before switching to a new plan, consumers should know exactly what they are buying. Recently the US Federal Trade Commission issued a consumer alert, Looking for health insurance? Make sure that’s what you’re getting. It warned of dishonest marketers attracting customers who thought they were getting comprehensive health insurance, when in reality they were merely getting a medical discount plan. In August, two companies paid $145 million to settle FTC charges that they misled millions of consumers seeking to buy comprehensive health insurance. The FTC alleged that the companies deceived consumers and led them to purchase plans that didn’t provide the promised health care coverage, and bombarded them with telemarketing and robocalls. ### How to protect against health insurance scams The best way to protect against health insurance scams is to stop the calls before they ever reach your phone. For mobile phone carriers, there’s [Hiya Protect](https://www.hiya.com/products/protect/spam-analytics), a complete call protection solution that enables carriers to block fraud calls and label suspected nuisance calls to protect subscribers. For individuals who do not have spam protection through their mobile phone carrier, there’s the [Hiya Spam Blocker app](https://www.hiya.com/products/apps/hiya-spam-blocker), which can be downloaded from the App Store and Google Play.   For business professionals and employers with bring-your-own-device policies, Hiya recommends the [Hiya AI Phone app](https://www.hiya.com/products/apps/hiya-ai-phone), which features real-time scam protection, AI-voice and deepfake protection, AI-assisted call screening, and call summaries and transcripts. [![banner-hiya-reg](https://blog.hiya.com/hubfs/banner-hiya-reg.jpg)](https://www.hiya.com/products/connect/number-registration) ### Latest Articles ⚡️ - Hiya awarded 16 G2 Summer 2026 badges for branded caller ID Lena Prickett Jul. 9, 2026 - How Canada is leading the fight to stop bank scams Stephanie Boulanger Jun. 26, 2026 - How to check phone numbers for spam labels Michelle Wallace Jun. 9, 2026 ## Related articles ![](https://blog.hiya.com/hubfs/rogers-toronto-event-blog-hero.webp) ## [How Canada is leading the fight to stop bank scams](https://blog.hiya.com/how-canada-is-leading-the-fight-to-stop-bank-scams?hsLang=en) Stephanie Boulanger Jun. 26, 2026 ![](https://blog.hiya.com/hubfs/Blog_How-to-check-phone-numbers-for-spam-labels_B.webp) ## [How to check phone numbers for spam labels](https://blog.hiya.com/how-to-check-phone-numbers-for-spam-labels?hsLang=en) Michelle Wallace Jun. 9, 2026 ![](https://blog.hiya.com/hubfs/Hiya%20x%20DNA-blog@2x.webp) ## [Hiya and DNA Finland launch network-level call protection](https://blog.hiya.com/hiya-and-dna-finland-launch-network-level-call-protection?hsLang=en) Stephanie Boulanger Jun. 2, 2026 [![](https://blog.hiya.com/hubfs/hiya-new-purple.svg)](https://www.hiya.com/) [![](https://blog.hiya.com/hubfs/linkedin-1.svg)](https://www.linkedin.com/company/hiyainc) [![](https://blog.hiya.com/hubfs/facebook-1.svg)](https://www.facebook.com/hiyainc/) ###### Products - Connect - [Number Registration](https://www.hiya.com/products/connect/number-registration) - [Branded Call](https://www.hiya.com/products/connect/branded-call) - [View Plans](https://www.hiya.com/products/connect/pricing) - Protect - [Spam Analytics](https://www.hiya.com/products/protect/spam-analytics) - [AI Voice Detection](https://www.hiya.com/products/protect/ai-voice-detection) - Apps - [Hiya Spam Blocker](https://www.hiya.com/products/apps/hiya-spam-blocker) - [Hiya AI Phone](https://www.hiya.com/products/apps/hiya-ai-phone) ###### Solutions - Company size - [Enterprise](https://www.hiya.com/solutions/enterprise) - [Call Centers](https://www.hiya.com/solutions/call-center) - [Small and Medium](https://www.hiya.com/solutions/businesses) - Service providers - [Operators](https://www.hiya.com/solutions/operators) - [OEMs and technology](https://www.hiya.com/solutions/technology-partners) ###### Considering Hiya? - [Why Hiya](https://www.hiya.com/why-hiya) - [How it Works](https://www.hiya.com/how-it-works) - [Customer Stories](https://www.hiya.com/case-studies) - [Voice Intelligence Platform](https://www.hiya.com/why-hiya/voice-intelligence-platform) - [Trust Center](https://www.hiya.com/why-hiya/trust-center) - [Modern Slavery](https://www.hiya.com/company/modern-slavery) - [About Hiya](https://www.hiya.com/company/about) - [Careers: We're hiring!](https://www.hiya.com/company/careers) - [Contact us](https://www.hiya.com/contact-us) ###### Resources - [Resource Center](https://www.hiya.com/resources) - [Partner Program](https://partners.hiya.com/) - [Get Support](https://hiya.com/support) - [Developer Docs](https://developer.hiya.com/) - [Hiya Blog](https://hiya.com/blog) - [Events](https://www.hiya.com/events) - [Press Kit](https://www.hiya.com/newsroom#press-kit) ![ANAB](https://blog.hiya.com/hubfs/logo-anab.svg) ![ISO 27001](https://blog.hiya.com/hubfs/logo-iso27017.png) ![AICPA](https://blog.hiya.com/hubfs/logo-aicpa.svg) ![IAF](https://blog.hiya.com/hubfs/logo-iaf.svg) [Privacy Policy](https://www.hiya.com/legal/privacy) [Terms of Service](https://www.hiya.com/legal/terms-of-service) [App Data Privacy Policy](https://www.hiya.com/legal/app-data-protection-and-privacy-policy) ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Jonathan Nelson", "url" : "https://blog.hiya.com/author/jnelson" }, "dateModified" : "2025-10-23T15:00:02.577Z", "datePublished" : "2025-10-23T15:00:02.000Z", "headline" : "Watch out for health insurance scams during open enrollment", "image" : [ "https://blog.hiya.com/hubfs/Open-enrollment-scams-feature_blog.png" ], "mainEntityOfPage" : { "@id" : "https://blog.hiya.com/watch-out-for-health-insurance-scams-during-open-enrollment", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://blog.hiya.com/hubfs/hiya-logo-3.svg" }, "name" : "Hiya Inc." } } ```