A RICO lawsuit over a call-center network accused of switching ACA plans without consent
A federal class-action lawsuit filed in the Southern District of Florida in April 2024 accused TrueCoverage, Enhance Health, Speridian Technologies (owner of the Benefitalign enrollment platform) and lead-generation company Number One Prospecting (doing business as Minerva Marketing) of running a scheme that used misleading ads promising cash subsidies to harvest consumer data, then enrolled or switched people's ACA coverage without authorization to collect commissions. Named plaintiff Conswallo Turner said her coverage was switched five times in a matter of weeks. The parties filed a joint notice of settlement in April 2025.
- Year
- 2024
- Where
- United States
- Outcome
- Settled
- Victims
- Not stated in the sources
- Schemes
- ACA marketplace switching and enrollment fraud
- Last reviewed
- 2026-09-24
The facts, as recorded
- The lawsuit named TrueCoverage and Enhance Health (insurance call centers operating in Florida and other states), Speridian Technologies (owner of the Benefitalign enrollment platform), and Number One Prospecting, doing business as Minerva Marketing (a lead-generation company), along with individual defendants Matthew Herman (CEO of Enhance Health) and Brandon Bowsky (founder/CEO of Minerva).
- The complaint alleged the defendants operated as a criminal enterprise in violation of the federal RICO Act, targeting low-income consumers eligible for ACA subsidies.
- Consumers were allegedly lured by ads promising monthly cash subsidies of $1,400 to $6,400 that could be used for groceries, rent or medical bills.
- The complaint alleged call centers paid "tens of thousands of dollars a day" for consumer leads generated by these ads.
- Named plaintiff Conswallo Turner, of Texas, said her ACA coverage was switched five times within weeks, that her son's coverage was dropped, and that she was placed on a plan with a higher deductible without her authorization.
- The lawsuit also alleged calls were recorded to harvest personal information and that duplicate policies were created for some consumers.
- The parties filed a joint notice of settlement in the Southern District of Florida on April 11, 2025; the settlement's specific terms were not made public in court filings reviewed for this page.
Why this case matters
Unlike the AssuredPartners case, this one is not a government prosecution; it is a private class-action lawsuit, brought under federal racketeering law by consumers themselves. It documents, in one filing, the full pipeline this scheme’s page describes: misleading subsidy ads, purchased leads, and unauthorized switching, tied together as a single alleged enterprise rather than isolated incidents.
The named plaintiff’s experience
Conswallo Turner’s account, as described in the complaint and reported by KFF Health News, is a concrete illustration of what “unauthorized switching” looks like from the inside: coverage changed five times in a matter of weeks, her son’s coverage dropped, and a higher-deductible plan imposed, while, the suit alleges, a legitimate agent who had actually been helping her lost the commission to whoever made the switch.
What the money bought
The complaint describes lead costs in the “tens of thousands of dollars a day”, a scale that only makes sense if the resulting commissions, paid by insurers for each enrollment or switch, comfortably exceeded that cost across a large volume of consumers.
The caveat
This case was resolved by a settlement, not a trial verdict, and the allegations in the complaint were never tested in court to a final judgment. The specific terms of the April 2025 settlement, including any payment amount or admission of wrongdoing by the defendants, were not disclosed in the court filings reviewed for this page. The claims against Matthew Herman, Brandon Bowsky, and the corporate defendants remain allegations that were resolved by agreement, not findings of liability by a court.
Sources
- Lawsuit Alleges Obamacare Plan-Switching Scheme Targeted Low-Income Consumers. KFF Health News. Accessed 2026-09-24. Supports: All facts in this case file: the defendant companies and named individuals, the RICO claims, the subsidy-ad figures, the lead-buying cost figures, the Conswallo Turner example, the recorded-calls and duplicate-policy allegations, the filing date, and the April 2025 settlement notice.