Life Lessons: Health insurance scams

Posted: 5:00 AM EDT Oct 15, 2013

To protect yourself from any health insurance scams now that the Affordable Care Act enrollment has started, insurance experts have some warnings for you.

First, don't be fooled: the government is not going to call selling you insurance.

However, you may be contacted by local providers.

Check with your county health department to find out who's in your area.

Number two: If someone tells you that you will go to jail for missing the deadline, don't believe it. However you may face a penalty of nearly $300.

Also, there aren't any limited time offers.

Rates will be stable throughout the enrollment period, from October 1, 2013, through March 31, 2014.

Experts also say be proactive.

The exchange is there to help you make an informed decision, so utilize the online tools and choose a plan that is best for you.

Also, legitimate insurance assisters will not ask for money or personal information.

For information about plans, go to the official website