Trump Admin Says It Uncovered $10 Billion Obamacare Fraud Scheme

The report traces the alleged problems to changes made during the Biden administration that expanded enrollment opportunities while relaxing income verification and eligibility checks.

At the start of Biden’s presidency, approximately 10 million people were enrolled through the Affordable Care Act exchanges. By 2024, enrollment had surged to roughly 22 million.

Federal investigators now believe millions of those enrollments were improper, fraudulent, or created without the knowledge of the individuals involved.

“By our estimate, improper, phantom, and fraudulent enrollment peaked at 5.6 million people in 2025,” the report states.

“We estimate 2.6 million improper and phantom enrollments remain, including over 1 million enrollments without a Social Security number.”