Telemarketing enforcement case where the FTC obtained a temporary restraining order against defendants who deceptively marketed limited benefit health plans as comprehensive health insurance. The scheme caused tens of millions of dollars in harm to consumers seeking health coverage. The court halted operations at the FTC's request.
The court entered a temporary restraining order stopping the defendants' operations, and the FTC is seeking refunds for affected consumers.
In-house legal teams should review vendor agreements with telemarketing firms and customer enrollment contracts for health insurance products. Key clauses to examine include marketing representations, disclosure requirements (especially distinctions between limited benefit and comprehensive plans), compliance with the Telemarketing Sales Rule, audit rights over marketing materials, and termination provisions for deceptive practices. Recommended changes: add clear definitions of plan types and coverage levels, mandate pre-approval of all marketing scripts and materials, include indemnification for misrepresentation claims, require regular compliance certifications from vendors, and strengthen audit rights to monitor telemarketing activities.
Entity
Top Healthcare Options Insurance Agency Inc
Also known as: Top Healthcare Options
Industry
HealthcareOfficial Press Release
https://www.ftc.gov/news-events/news/press-releases/2026/01/ftcs-request-court-halts-operations-deceptive-health-care-telemarketers
TopHealth Complaint
https://www.ftc.gov/system/files/ftc_gov/pdf/TopHealth-Complaint.pdf
Federal Trade Commission Enforcement Page
https://www.ftc.gov/enforcement
"Top Healthcare Options Insurance Agency Inc"
"FTC’s Telemarketing Sales Rule (TSR)"
"the FTC Act"
"deceptive telemarketing scheme that takes advantage of consumers looking for comprehensive health insurance"
The FTC referred a complaint against REPS & Company Inc. and company executives, alleging they bypassed ticket-issuer security controls and purchasing limits to acquire millions of tickets for resale. The complaint was filed by the Department of Justice, and the case will be decided by the court; the press release does not report a penalty or other remedy imposed.
The FTC sued Digital Forensics Corporation LLC and affiliated defendants, alleging they misled sextortion victims with promises of investigative and monitoring services that often were not provided, and used fake positive reviews. A federal court granted the FTC’s request to temporarily halt the defendants’ activities; the complaint remains for the court to decide.
The FTC alleged that Greenway Auto Group advertised vehicle prices thousands of dollars below the amounts consumers actually paid and used mailers falsely suggesting recipients had won cash prizes. Greenway agreed to an order requiring transparent pricing and prohibiting deceptive prize mailers and other misrepresentations; the press release does not state a monetary penalty.
The FTC sent warning letters to 24 large healthcare services companies, cautioning that incomplete, inaccurate, or untimely pricing information for scheduled medical care may be unfair or deceptive. The letters urge recipients to review their price-disclosure practices and take corrective action; they announce no fine or formal order.
$1.9M
The FTC alleged that Premier Franchising Group LLC and Franchise Fastlane LLC made deceptive and unsubstantiated claims about the Premier Martial Arts franchise opportunity and violated the Franchise Rule. The proposed settlements require the companies to pay a combined $1.85 million to compensate franchisees, prohibit certain misrepresentations, and require Franchise Rule compliance; certain franchisees may also cancel their agreements without penalty.
The FTC, Utah, and Nevada sued Lens.com Inc., alleging that it advertised artificially low contact lens prices while hiding mandatory checkout charges and misleading consumers about its AutoRefill subscription. The complaint seeks to stop the alleged practices; the court has not yet decided the case, and no penalty or remedy has been imposed.