Federal investigators found that, earlier this year, nine of 12 fake people it created were able to get Affordable Care Act public exchange plan coverage through special enrollment period applications.

The investigators, at the Government Accountability Office, conducted the test to see how well HealthCare.gov and state-based ACA exchange programs are screening people who apply for coverage outside the usual open enrollment period.

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Allison Bell

Allison Bell, a senior reporter at ThinkAdvisor and BenefitsPRO, previously was an associate editor at National Underwriter Life & Health. She has a bachelor's degree in economics from Washington University in St. Louis and a master's degree in journalism from the Medill School of Journalism at Northwestern University. She can be reached through X at @Think_Allison.