When is open enrollment for health insurance?

Open enrollment for health insurance typically runs from November 1 to January 15 for coverage starting the following year.

What are common health insurance scams during open enrollment?

Common scams include impersonation of Medicare or HealthCare.gov, offers of freebies for personal data, and fake discount plans.

How can I avoid health insurance scams?

Only use official websites (.gov), never share personal information via unsolicited contact, and always verify through official channels.

Home / Health / Protect Your Data During Health Insurance Open Enrollment

Protect Your Data During Health Insurance Open Enrollment

12 Dec, 2025

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Summary

Open enrollment for health insurance runs Nov. 1 to Jan. 15.
Scammers exploit enrollment urgency for identity theft and financial loss.
Verify official sources and never share personal data unsolicited.

Protect Your Data During Health Insurance Open Enrollment

The period between November 1 and January 15 marks open enrollment for health insurance, a vital time for millions of Americans to secure coverage for the upcoming year. This crucial window, however, is also when cybercriminals intensify efforts to exploit consumer anxiety and the inherent urgency of enrollment deadlines.

Sophisticated scams often impersonate legitimate health organizations, using phishing tactics like fake calls, emails, or texts. These fraudsters prey on vulnerability, promising simplistic solutions to complex health coverage choices and demanding immediate action. Scammers frequently target older or lower-income individuals, exploiting technological unfamiliarity or gaps in continuous coverage.

To safeguard against these threats, consumers are urged to exercise extreme caution. Always access enrollment portals through official government websites like HealthCare.gov or Medicare.gov, ensuring the URL uses "https://" and ends with ".gov." Never share sensitive personal information, such as Medicare or Social Security numbers, with unsolicited callers or via suspicious links or QR codes. Seeking assistance from official channels like the Marketplace Call Center or State Health Insurance Assistance Programs (SHIP) is recommended, as these services are free.