1. Scale of Fraud

• Over 1 million ACA enrollees allegedly have no Social Security number on file
• ~$10 billion per year in taxpayer losses due to fraud or improper enrollment
• 3 million fraudulent enrollments reportedly already removed
• Up to 6–7 million questionable enrollments potentially under investigation

2. Types of Fraud

1. Missing identity verification

   • Enrollment without Social Security numbers

2. Phantom enrollments

   • People enrolled without their knowledge

3. Stolen or fake identities

   • Applications submitted using fabricated or stolen information

4. Income misrepresentation

   • Inflated or false income data to qualify for larger subsidies

5. Duplicate enrollments

   • Individuals enrolled multiple times

6. Agent/broker misconduct

   • Insurance agents allegedly enrolling people fraudulently to receive commissions

3. Explanation for Why It Happened

• Safeguards and verification systems were weakened intentionally
• Fraud was enabled or tolerated due to political motives
• Growth in ACA enrollment (from ~10 million to ~22 million) is partly due to loosened rules rather than legitimate demand

4. Government Response

• Reinstating verification requirements
• Investigating fraudulent brokers
• Canceling improper policies
• Attempting to recover lost funds
• Preventing future fraud ahead of enrollment periods

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