"2024 Obama Care Plans" That Weren't: The FTC Shuts Down Top Healthcare Options

In January 2026, the Federal Trade Commission (FTC) announced that a federal court in Florida had temporarily stopped Top Healthcare Options Insurance Agency Inc (THO) and 11 related defendants. The FTC says they caused tens of millions of dollars in harm by telemarketing health plans that weren't what people thought they were buying.

So what happened?

The complaint was filed under seal in federal court in the Southern District of Florida (case no. 0:26-cv-60067). The court entered a temporary restraining order, and the seal was later lifted.

According to the FTC:

• It starts with a website. People shopping online for comprehensive health insurance land on sites promoting things like "Affordable Care Act Plans," "Obamacare Health Insurance Carriers" and "2024 Obama Care Plans."
• Those sites are lead generators. They collect the person's info and sell it to the defendants or their vendors for telemarketing.
• Then the phone rings. The pitch is built to move people away from comprehensive coverage and toward the defendants' plans.
• The plans are limited benefit plans and medical discount memberships. Way less coverage. People can end up with thousands of dollars in out-of-pocket medical costs.

The FTC says the defendants falsely claimed their plans:

• Were comprehensive health insurance, or the equivalent
• Were PPO plans
• Covered specific doctors, services or prescriptions
• Capped costs with low copays or deductibles

The charges are under the Telemarketing Sales Rule (TSR) and the FTC Act. The FTC wants refunds for consumers.

"Health insurance is one of the most important and costly purchases consumers buy for themselves and their families," said Christopher Mufarrige, Director of the FTC's Bureau of Consumer Protection.

Read the FTC's complaint against Top Healthcare Options.

Who's in it?

Twelve defendants: Top Healthcare Options Insurance Agency Inc, Golden State Advisors Insurance Agency LLC, Top Healthcare Solutions LLC, Direct Health Solutions Insurance Agency, LLC, Prime Healthcare Solutions Insurance Agency LLC, Premier Services Group Hub LLC, Elevation Media Group LLC, Sargent Financial LLC (doing business as WeMake Media LLC), Ramz Media Marketing LLC and three individuals.

Notice something? A couple of those names sound like media and marketing companies, not insurance agencies. These are allegations at this point. But the FTC is clearly looking at the whole chain.

Why should you care?

OK, real talk. If you work in health insurance leads or calls, this case hits every part of what you do.

• The landing page matters. If it promises "Obamacare" and the call sells something else, that's the problem the FTC is describing.
• The script matters. Saying "PPO" when it's a discount card? Don't.
• The handoff matters. The FTC says the leads were bought specifically for telemarketing.
• "Limited benefit" has to mean limited on the call, not just in the fine print.

If you buy, sell or route health calls, look at the full path. Page, form, call, close. Every step has to tell the same honest story.