The Big Story

More From This Investigation

How to Make Health Insurers Take Fraud Seriously

Experts say both employers and working Americans end up paying more when health insurance companies don’t report fraud to regulators and prosecutors.

We Asked Prosecutors if Health Insurance Companies Care About Fraud. They Laughed at Us.

To protect their networks and bottom lines, health insurers don’t aggressively pursue widespread fraud, making it easy for scammers. Then they pass the costs off to you.

Health Insurers Make It Easy for Scammers to Steal Millions. Who Pays? You.

Health insurers are regarded as fierce defenders of health care dollars. But the case of David Williams shows one reason America’s health care costs continue to rise. The personal trainer spent years posing as a doctor and billing the nation’s top insurers, making off with millions.

Behind the Scenes, Health Insurers Use Cash and Gifts to Sway Which Benefits Employers Choose

The insurance industry gives lucrative commissions and bonuses — from six-figure payouts to a chance to bat against Mariano Rivera — to the independent brokers who advise employers. Critics call the payments a “classic conflict of interest” that drive up costs.

Your Medical Devices Are Not Keeping Your Health Data to Themselves

CPAP units, heart monitors, blood glucose meters and lifestyle apps generate information that can be used in ways patients don’t necessarily expect. It can be sold for advertising or even shared with insurers, who may use it to deny reimbursement.

You Snooze, You Lose: Insurers Make The Old Adage Literally True

Millions of sleep apnea patients rely on CPAP breathing machines to get a good night’s rest. Health insurers use a variety of tactics, including surveillance, to make patients bear the costs. Experts say it’s part of the insurance industry playbook.

Health Insurers Are Vacuuming Up Details About You — And It Could Raise Your Rates

Without any public scrutiny, insurers and data brokers are predicting your health costs based on data about things like race, marital status, how much TV you watch, whether you pay your bills on time or even buy plus-size clothing.

Why Your Health Insurer Doesn’t Care About Your Big Bills

Patients may think their insurers are fighting on their behalf for the best prices. But saving patients money is often not their top priority. Just ask Michael Frank.

Do You Work in the Health Insurance Field? ProPublica Is Investigating the Industry and We’d Like Your Help

We need your perspective on the health insurance hustle.