Advertisement Administration officials say the findings are part of a broader government-wide effort to eliminate fraud, waste and abuse across federal programs.
The report traces the alleged problems to changes made during the Biden administration that expanded enrollment opportunities while relaxing income verification and eligibility checks.
According to a Department of Health and Human Services report obtained by Fox News Digital, officials have already removed nearly three million fraudulent or improper Obamacare enrollments and estimate another 2.6 million questionable enrollments remain
At the start of Biden’s presidency, approximately 10 million people were enrolled through the Affordable Care Act exchanges. By 2024, enrollment had surged to roughly 22 million. Advertisement Federal investigators now believe millions of those enrollments were improper, fraudulent or created without the knowledge of the individuals involved.
Advertisement “We estimate 2.6 million improper and phantom enrollments remain, including over 1 million enrollments without a social security number.”
According to the report, several different forms of abuse contributed to the alleged fraud.
“By our estimate, improper, phantom, and fraudulent enrollment peaked at 5.6 million people in 2025,” the report states
Officials say some applicants intentionally understated their income to qualify for larger taxpayer-funded subsidies.
Investigators also identified what they describe as “phantom enrollments,” in which insurance brokers allegedly enrolled people in Obamacare plans without their knowledge in order to collect federal commissions.
The report argues that reduced verification requirements made those practices significantly easier to carry out.
