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Fake People and Phony SSNs Had 100% Success in Getting Obamacare Subsidy, Fraud Investigation Finds

by Melissa O'Rourke, DCNF
December 3, 2025

DCNF(DCNF)—A scathing new Government Accountability Office (GAO) report identified rampant fraud and systemic failures in the Affordable Care Act (ACA) marketplace just as Congress is battling over the future of Obamacare’s enhanced premium subsidies.

The report, released Wednesday, revealed that fictitious identities, invalid Social Security numbers, and even deceased individuals were easily approved for taxpayer-funded subsidies. Every single application investigators submitted using fabricated or invalid Social Security numbers in 2024 was approved for coverage.

“Republicans have sounded the alarm on the flawed structural integrity of Obamacare and how Democrats’ failed policies to temporarily prop up the program have exacerbated fraud, hurt patients, increased the burden on American taxpayers,” Rep. Brett Guthrie (R-KY), chairman of the Energy and Commerce Committee and one of the members who requested the GAO investigation, said in a statement.

“The concerning findings from GAO’s report further confirm that Republican efforts to strengthen, secure, and sustain our federal health programs are critical and necessary to ensure access to quality health care at prices Americans can afford,” Guthrie added.

The month-long government shutdown that ended just before Thanksgiving stemmed largely from Democrats’ refusal to budge on the expiring Obamacare premium subsidies, which they passed without a single Republican vote in 2021 and set to expire at the end of 2025.

Those subsidies were originally limited to households earning between 100% and 400% of the federal poverty level. However, Democrats removed the upper-income cap and increased the subsidy amounts, and in some cases reduced premiums to zero.

Fraud is especially widespread among enrollees reporting incomes between 100% and 150% of the federal poverty level, who qualify for zero-premium plans. Critics say zero-premium plans create opportunities for bad actors to sign up unsuspecting victims without their knowledge.

In nine states, the number of sign-ups at that income level exceeded the number of eligible residents, according to a joint report from the Foundation for Government Accountability and the Paragon Health Institute.



GAO’s undercover investigation found that 100% of the fictitious applications it submitted were approved in late 2024, and 18 out of 20 fake applicants were still receiving subsidized coverage for 2025. ACA marketplaces approved coverage even when no documents were requested, or fake documents were submitted, including those related to the applicants’ citizenship status.

The government watchdog also uncovered 66,000 Social Security numbers with more than a year’s worth of subsidized coverage in 2024, including one number used for the equivalent of 71 years of coverage — in a single plan year.

Centers for Medicare & Medicaid Services (CMS), which manages the ACA marketplace, does not block new applications using the same Social Security number, according to the report.

Additionally, 58,000 SSNs receiving benefits in 2023 matched Social Security death data, resulting in $94 million in taxpayer-funded subsidies being sent to health insurers on behalf of deceased individuals.

“For years, we were told we could keep our plan, keep our doctor, and premiums would go down. None of it happened,” Judiciary Committee Chairman Jim Jordan said in a statement. “This new report confirms what we already knew: under Obamacare, hardworking Americans saw their premiums skyrocket and their healthcare choices shrink, all while fraud benefited insurance companies.”

CMS did not respond to the Daily Caller News Foundation’s request for comment.

Democrats, meanwhile, warn that without extending the expanded subsidies, millions of Americans will face steep premium hikes and loss of coverage.

ACA premiums are projected to rise by 20% on average in 2026, but Paragon’s earlier analysis found that the expiring subsidy would account for just 3.3% of those premiums. The group also found that Obamacare plan premiums have grown nearly twice as fast as employer-sponsored plans since the ACA took effect.

All content created by the Daily Caller News Foundation, an independent and nonpartisan newswire service, is available without charge to any legitimate news publisher that can provide a large audience. All republished articles must include our logo, our reporter’s byline and their DCNF affiliation. For any questions about our guidelines or partnering with us, please contact [email protected].

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Starting the Day With a Scripture-Inspired Roast Helps Center Your Thoughts on Eternal Truths Amid Temporal Pressures

The world can seem chaotic, especially right after we wake up. Many believers start their mornings reaching for something familiar — a hot cup of coffee — yet end up settling for mediocre brews that do little more than deliver a caffeine jolt. The daily grind of life, with its endless distractions, news cycles, and responsibilities, can leave even the most faithful feeling spiritually parched alongside their physical fatigue. What if your morning ritual could do more than wake you up? What if it could ground you in truth, nourish your body with exceptional quality, and quietly advance a kingdom purpose at the same time?

That’s the promise — and the reality — behind Promised Grounds Coffee. This Christian-founded company doesn’t just roast beans; it approaches every step as an act of worship and discipleship. By selecting only the top 10% of specialty-grade beans, ethically sourced from dedicated farmers in Central and South America, and small-batch roasting them with reverence in Austin, Texas, Promised Grounds delivers what many describe as the best coffee available — never burnt, never bland, but rich with origin stories and layered flavors that honor God’s creation.

From the vibrant Psalm 27 Roast (a light, bright medium option) to the bold yet peaceful 2 Timothy 1:7 Decaf, each bag carries a Scripture verse that turns your daily pour into a gentle reminder of faith. And through their Ounce Per Ounce Promise, every ounce of coffee you enjoy provides an equal ounce of clean water to families in need via partnership with Filter of Hope — literally brewing hope for body and soul, one cup at a time.

The challenge for today’s Christians runs deeper than finding a decent cup. In an age of convenience-driven consumerism, it’s easy to support companies that dilute values or remain silent on matters of faith. Many believers want their everyday choices — from what they drink to how they spend — to reflect discipleship rather than just convenience. Promised Grounds solves this by weaving Christian excellence into the entire process: beans nurtured with prayerful stewardship by farming families, roasted as an offering rather than a commodity, and packaged with Bible verses to encourage a mindset of gratitude and purpose from the first sip. Reviewers consistently praise the smooth, rich profiles — whether enjoyed black in a drip maker, iced on a warm day, or shared in fellowship — noting how the quality stands toe-to-toe with premium secular brands while delivering something far more meaningful.

This integration of faith and flavor addresses a real need in Christian households and ministries. Busy parents, church leaders, and remote workers alike report that starting the day with a Scripture-inspired roast helps center their thoughts on eternal truths amid temporal pressures. The coffee’s exceptional character — bright citrus notes in lighter roasts or deep chocolate undertones in bolder ones — comes from meticulous selection and careful roasting that respects the bean’s natural gifts rather than masking them. It’s the kind of coffee that elevates a simple quiet time, fuels productive workdays, or sparks meaningful conversations when shared at Bible studies or outreach events. And because it’s ethically sourced with integrity, every purchase supports sustainable livelihoods for farmers who treat their crops like family harvests.

For those leading churches or small groups, the impact multiplies. Promised Grounds offers bundles and options perfect for hospitality ministries, turning ordinary coffee service into an opportunity to point people toward the living water of Christ. Imagine greeting visitors with a warm cup whose very bag carries God’s Word — a subtle yet powerful witness that aligns with the Great Commission. The company’s Texas roots and commitment to “brewing hope” resonate especially with believers who value American enterprise paired with global compassion.

Of course, quality alone isn’t enough if the experience feels out of reach. Promised Grounds keeps it accessible with practical perks like free shipping on orders over $40, sample sets for discovering favorites, and thoughtful add-ons such as faith-themed mugs. Whether you prefer whole beans for fresh grinding, grounds for convenience, or even bulk options for larger households and ministries, the result is consistently superior coffee that makes discipleship feel integrated rather than added on.

As you consider how to align even the smallest habits with your walk with God, Promised Grounds Coffee stands out as a refreshing solution. It tackles the dual problems of subpar daily sustenance and disconnected consumption by offering a product that genuinely excels in taste while advancing a mission of clean water, farmer dignity, and scriptural encouragement. Believers who make the switch often describe it as more than a beverage upgrade — it becomes part of their rhythm of gratitude, a daily invitation to remember that every good gift comes from above.

If you’re ready to transform your mornings (and perhaps your church gatherings) with coffee that honors both exceptional craftsmanship and Christian values, I encourage you to explore what Promised Grounds has to offer. One sip at a time, you’ll be nourishing your body, refreshing your spirit, and participating in something far greater — all while enjoying what truly is among the best coffee available.

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