Fake CMS / Healthcare.gov Special Enrollment Period (SEP) notice from non-official sender targeting ACA/Obamacare applicants — "enrollment deadline / your coverage will lapse / qualify for subsidies" urgency harvesting SSN, income details, and insurance information
cms-marketplace-sep-phish
What this tier means
High-confidence threat indicator — phishing, impersonation, BEC, or scam pattern. Strong contributor to the trash decision.
How Gorganizer detects this
Fake CMS / Healthcare.gov Special Enrollment Period (SEP) or Open Enrollment deadline notice from a non-official sender, targeting people seeking ACA / Obamacare health insurance. Attackers impersonate healthcare.gov or CMS with fake "your Special Enrollment Period is closing — enroll now or lose coverage / your current plan will lapse" urgency, leading victims to fake marketplace portals harvesting SSN, income details, subsidy verification documents, and insurance information. The ACA marketplace is particularly susceptible because (1) real enrollment deadlines create genuine urgency, (2) subsidy eligibility varies by income making "verify your income" lures plausible, and (3) millions of uninsured Americans actively look for enrollment opportunities. Legitimate CMS / Healthcare.gov enrollment communications originate from healthcare.gov and cms.gov. The signal fires when: (1) body references Healthcare.gov, CMS, ACA, Marketplace, Special Enrollment Period, or open enrollment AND (2) enrollment deadline / coverage lapse / subsidy qualification urgency is present AND (3) sender is NOT healthcare.gov, cms.gov, hhs.gov, or getcoveredamerica.org AND (4) no List-Unsubscribe or In-Reply-To. Source: GC1 R15 council #3; CMS advisory on marketplace impersonation 2025; HHS OIG healthcare.gov spoofing alert 2026.
False-positive guard
Every signal in Gorganizer feeds a multi-module score — never a sole verdict. This is a threat-tier signal — it adds a strong contribution to the trash score. The full pipeline still requires convergence across multiple modules + a margin over the safety floor before deletion happens, and Gmail's trash (30-day recovery) is always used — never permanent delete.
About the scoring engine
Gorganizer's scoring engine emits 2,143+ signals across six modules — headers, sender, subject, body, attachments, and structural metadata. Every email is scored by every module independently; the final verdict requires multiple modules to agree and the trash score to beat the safety floor by a margin.
Sacred safety guards — never delete starred emails, replies, calendar invites, receipts/invoices, or attachments — apply unconditionally regardless of any signal.
Ready to clean your inbox?
Gorganizer scans your Gmail with this signal and 2,143+ others, then cleans everything in one click. $4.99 one-time, no subscription.
Get started