What's happening?

Scammers frequently operating from offshore locations are stealing or otherwise exploiting National Producer Numbers (NPN) and insurance producer (agent) licensing credentials. Scammers target job seekers and prospective insurance producers with promises that a third party will write or manage policies under their name. Once the scammers obtain a producer’s credentials, these stolen or exploited credentials are then used to issue unauthorized health and life insurance policies under the names of unsuspecting consumers, in order to collect commissions and fraudulent federal subsidies. Scammers alter or fabricate consumer information to maximize payments from federal Advanced Premium Tax Credits (APTC) through the Affordable Care Act (ACA) marketplace. 

How to identify the scam

• For Job Seekers & Prospective Producers: You receive unsolicited communications urging you to obtain a resident insurance producer license, paired with promises that a third party will write or manage policies under your credential.

• Producers’ Credential Misuse: Any third-party or offshore entity requesting to write policies under your NPN or producer license.

• For Consumers: You receive insurance documents, bills, or tax notices regarding a health or life insurance policy you never authorized or requested.

What to do if you think you have been targeted by this scam

• Job Seekers & Producers: Never permit third parties or offshore entities to use your NPN, insurance license number, or carrier or health marketplace system credentials. Allowing others to use these exposes you to severe legal liability, license revocation, and potential civil and/or criminal charges for fraud.

• Consumers: Carefully inspect all unexpected insurance mailings, health statements, or tax notices.

If you believe you are a victim of this fraud

• File a report with local law enforcement if your personal identity or information has been compromised.

• Contact the Maryland Insurance Administration's toll-free fraud hotline at 800-846-4069.

• Report insurance fraud to the Insurance Fraud and Producer Enforcement Division online at  Fraud Intake  or via email to [email protected]​.

• Report the fraudulent activity online through the NAIC Online Fraud Reporting System at ofrs.naic.org or the federal Internet Crime Complaint Center (IC3) at ic3.gov.

To learn more about insurance fraud and how to report it, visit insurance.maryland.gov.