Consumers across the U.S. are reporting phone calls that claim to be from the government about new health insurance cards required by the Affordable Care Act (ACA). Better Business Bureau is warning consumers that this is a scam, and its growing as the October 1 implementation date for the Health Insurance Marketplace approaches.

Con artists are taking advantage of peoples confusion about what exactly the Affordable Care Act means for them, says Norman Wright, President and CEO of the Better Business Bureau serving Northwest Florida. Scammers favorite tools are confusion and fear.

This is the latest twist on the Medicare scam that BBB has seen for years, he noted. Whenever there is a new government program or new public policy, fraudsters will take advantage of people. But the simple fact is there is no Affordable Care card. Its a scam.

Heres how the scam works. You receive a call from someone claiming to be from the federal government. The caller informs you that youve been selected as part of the initial group of Americans to receive insurance cards through the new Affordable Care Act. However, before the caller can mail your card, they need to verify personal information, such as your bank account and Social Security numbers.

Its important to know there is no card, and enrollment for insurance under the Affordable Care Act doesn't start until October 1st. Sharing personal information with a scammer puts you at risk for identity theft. Scammers can use the info they obtain to open credit cards in your name or steal from your bank account. 

BBB urges consumers to ignore these pitches and use the follow precautions when dealing with this type of scam:

         Be cautious with your identity.Never give personal information to someone who has contacted you unsolicited, whether by phone, email, social media or in person.

         Hang up, dont press any buttons and dont call back.Returning the phone call may just give the con artist information he can use.

         The government uses regular mail.Government agencies normally communicate through the mail, so be cautious of calls, text messages or emails.

         Dont trust caller ID.Scammers have technology that lets them display any number or organization name on your screen.

         Keep your personal information to yourself.Never give out personal information such as credit card numbers, bank account numbers, date of birth or Social Security numbers to unfamiliar callers.

For more information on the Affordable Care Act and the Health Insurance Marketplace, go to For more tips you can trust, visit To Report a Scam or sign up for BBB Scam Alerts, go to

For additional information and advice you can trust, start with