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In 2018, we told you about Simple Health, a group of companies that the FTC says tricked people into signing up for what the companies told them was comprehensive health coverage that met Affordable Care Act standards. Instead, people wound up with premiums as high as hundreds of dollars a month for coverage the FTC says was nowhere near the full, ACA-qualified coverage Simple Health promised. And as some of its customers were stuck with thousands of dollars in medical bills, Simple Health collected more than $195 million because of its deception, according to the case.

Today, the FTC announced a proposed settlement with Simple Health’s Chief Compliance Officer that, among other things, would ban her from advertising, marketing or selling any healthcare-related products. The settlement includes a monetary judgment of $195.5 million, which is suspended due to the defendant’s inability to pay. The FTC’s litigation against the other defendants is ongoing.

Before you sign up and pay for health coverage, protect yourself by finding out what you’re really getting versus what the plan advertises. That’s info you can use in the Special Enrollment Period for health care coverage, open from February 15 – May 15, 2021, which we just told you about earlier today. And if you find out about dishonest marketing practices, report it to the FTC at

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The purpose of this blog and its comments section is to inform readers about Federal Trade Commission activity, and share information to help them avoid, report, and recover from fraud, scams, and bad business practices. Your thoughts, ideas, and concerns are welcome, and we encourage comments. But keep in mind, this is a moderated blog. We review all comments before they are posted, and we won’t post comments that don’t comply with our commenting policy. We expect commenters to treat each other and the blog writers with respect.

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Renees Mendoza
February 05, 2021
This is so true I purchased two different types and each person advised me the plan would cover what I needed to be done by doctor. I had to pay thousands in medical bills after months of thinking the insurance covered it plus premiums. Than they sent bill and said insurance didn't cover it. What a big RIP off. I'm still paying for one of the Bill's in payments. Thus than just cancelled. I wish I can get my money back?
February 05, 2021
I would sure!y like to know why She wasn't jailed! It sounds purely like conversion to commit fraud and nails to easy for this type of individual!!
FTC Staff
February 08, 2021

In reply to by Sarge375

The FTC is a civil law enforcement agency. The FTC can’t put people in jail, but our partner agencies can and do. Partner agencies include the U.S. Department of Justice, U.S. Attorneys, and other federal, state, and local criminal law enforcers. When FTC cases include behavior that also violate criminal laws, the FTC informs criminal prosecutors. 

February 05, 2021
How are these scammer getting the phone numbers . Also these scammer are downloading apps from Google and Apple stores
concret guy
February 06, 2021
Another win for the thieves. inability to pay ? How about jail?