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During open season for the Health Insurance Marketplace, you might have seen an increase — maybe a flood — of ads for health plans. The ads might promise comprehensive health insurance…but the plan turns out to have limited benefits. Or it’s a medical discount card and not insurance at all. Some ads might promise rewards or rebates to anyone who signs up for a plan. Or they might say they’re from the government – or government-endorsed, hoping to gain your trust. How to make heads or tails of it all?

During the holiday season, you might expect to get more deliveries. Some might even be surprise gifts. Scammers are counting on that when they send fake delivery notifications to you by email and text, hoping you’ll click. Here’s how to spot these scams.