Fake health insurance enrollment scam (ACA / Medicare)
fake-health-insurance-enrollment-scam
What this tier means
High-confidence threat indicator — phishing, impersonation, BEC, or scam pattern. Strong contributor to the trash decision.
How Gorganizer detects this
Email impersonating ACA Marketplace / ObamaCare / Medicare Advantage / Medicaid enrollment programs — offering implausibly low or zero-dollar premiums, collecting Social Security Numbers, income details, or payment information outside official government channels, or routing victims to fake "navigators" who enroll them in junk plans or steal their PII. Often sent from domains mimicking official programs (aca-health-plans-center.com, obamacare-enrollment-help.net). FTC 2024: health care impersonation fraud tops $200M; fake ACA enrollment accounts for a growing share of identity theft complaints.
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.
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