We’ve been warned by the Iowa Attorney General (Tom Miller) and the Iowa Insurance Commissioner (Nick Gerhart) to be aware of “discount health plans” connected to Obamacare.

The enrollment process for affordable health care starting with the individual mandate effective January 1, 2014, has some uncertainties in the marketing and enrollment process. Part of the marketing for the government subsidy plans could include someone trying to solicit your business.

We are being warned that there are cases under investigation presently where scammers are pretending to be government officials seeking your personal information. You should also know that through the enrollment process, the government employees “navigators” that can assist you. These individuals are not licensed insurance agents, may not be bonded or insured and will be the ones to whom you provide your personal information, including your social security number. This is a breeding ground for fraud if your information ends up in the wrong person’s hands.

Please beware. Know who you’re doing business with. Even if you are looking for a subsidy, please seek the guidance of an independent, licensed agent. Please take a look at this most recent publication from our attorney general and insurance commissioner. Here’s the difference between Navigators and Brokers/Agents…