FTC Halts Alleged Healthcare Fraud Scheme Impersonating Government and Insurers

The FTC alleges that six defendants, including Innovative Partners and American Collective, have used telemarketing since early 2023 to impersonate the U.S. government and major insurance companies. They allegedly marketed packages of healthcare discounts, add-on services and products with capped benefits as “state-issued,” comprehensive PPO insurance with low deductibles. Some plans did not even cover hospitalization, causing policyholders to delay treatment or incur medical debt.

The Federal Trade Commission said on April 22, 2026, that the U.S. District Court for the Southern District of Florida had issued a temporary restraining order halting the nationwide operation. According to the FTC, consumers were charged hundreds of dollars a month and thousands annually, paying millions of dollars in purported “premiums” in total. The commission voted 2–0 to file the case and is seeking refunds and other relief.