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The Ben Ferguson Podcast

GAO Investigation Exposes Shocking ACA Report Revealing Billions in Fraud & Waste

The Ben Ferguson Podcast

iHeartPodcasts

News, Politics, News Commentary

4.94.7K Ratings

🗓️ 1 January 2026

⏱️ 38 minutes

🧾️ Download transcript

Summary

  • Fraud and Improper Payments

    • The Government Accountability Office (GAO) conducted investigations revealing major vulnerabilities in ACA enrollment and subsidy systems.
    • Examples include:
      • Approval of fictitious applicants with fake Social Security numbers.
      • Duplicate subsidies tied to the same SSN.
      • Payments for deceased individuals (estimated at $94 million).
      • Brokers exploiting weak verification systems for commissions.
  • Financial Impact

    • Republicans claim billions in improper payments annually, with estimates reaching $27 billion.
    • Enhanced subsidies introduced during COVID could cost up to $350 billion through 2035 if extended.
  • Political Debate

    • GOP leaders argue ACA subsidies should not be extended without anti-fraud reforms.
    • Democrats are accused of resisting reforms due to ties with insurance companies, which allegedly benefit from fraudulent payments.
    • The debate is framed as a major political battle ahead of elections, with Republicans pushing for structural changes and Democrats defending subsidy extensions.
  • Premium Increases

    • ACA premiums have reportedly risen 221% since inception, outpacing employer coverage and inflation.
    • Without subsidies, premiums could rise by 114% on average by 2026.

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Transcript

Click on a timestamp to play from that location

0:00.0

This is an I-Heart podcast.

0:02.3

Guaranteed Human.

0:05.4

Fraud has become a major headline, especially when it deals with the Affordable Care Act,

0:12.2

which we now know is anything but affordable.

0:15.2

And now we're finding out more about your tax dollars going to insurance programs, companies.

0:22.5

And in fact, the beneficiaries don't even know it's even giving them coverage.

0:27.7

I want to take you backwards to where we learned a lot of this from the GA fraud investigation.

0:34.0

The government accountability office used by Republicans of the centerpiece of their new expose,

0:41.2

has found significant fraud vulnerabilities in how the ACA, the Affordable Care Act,

0:47.5

marketplace processes enrollment and taxpayer subsidies.

0:52.2

Some of the key findings are truly shocking.

0:55.5

The GOA created fictitious applicants with fake or invalid social security numbers,

1:00.8

and the ACA marketplace still approved them for subsidies and policies.

1:06.4

In fact, nearly all of the fake applicants were accepted.

1:10.7

The report found instances of duplicate and repeated subsidy payments tied to the same

1:17.2

Social Security numbers, including one Social Security number appearing on many separate

1:22.1

policies, and that suggested poor verification systems.

1:27.0

In other words, the insurance companies know that

1:30.1

they're going to get paid for people that don't deserve the coverage. But who cares if you're

1:35.8

getting paid? Tens of thousands of subsidy payments also were connected to deceased individuals as well.

1:43.9

That's right. Your tax dollars going to dead people.

1:47.7

And what better client for these big insurance companies than someone that's literally dead?

...

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