- Because there is lots of evidence suggesting the program is rife with fraud...
What GAO staff did was create 20 fake identities and then apply for coverage as if they were real people.
To test enrollment controls...
The federal Marketplace approved fully subsidized insurance coverage for all four of our fictitious applicants for November through December 2024. The combined total amount of APTC paid to insurance companies for all four fictitious enrollees was about $2,350 per month.
- Next they tried the same approach with 20 fake identities applying for 2025 coverage. All but one were initially approved...
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