As the debate rages over who benefits from the Affordable Care Act, one thing is becoming clear: The controversial program is a dream come true for rip-off artists.

Consumer experts warn that the program has created a huge opportunity for swindling people by stealing their money and their sensitive personal information.

These tips, provided by consumer groups and government, will help you spot a fraud:

  • There is no card associated with health care reform.
  • There is no new Medicare card, and you do not have to update any personal information.
  • The Health Insurance Marketplace (those exchanges) doesn’t open until Oct. 1, so you can’t buy coverage under the Affordable Care Act until then.
  • Don’t respond to a cold call of any kind, especially one that asks for personal information or money. And don’t trust caller ID, which can be rigged to make it look as if the call is coming from a government office.
  • Don’t let anyone rush you. The rates in the exchange have been preapproved and won’t change during the initial enrollment period, Oct. 1 to March 31. Anyone promising a “special price” or “limited time offer” or who tells you “spots are limited” is lying.

To read the full article, visit https://www.cnbc.com/id/100963714.