The FTC filed a complaint and obtained a temporary restraining order against six defendants operating a deceptive health care scheme that impersonated government and insurance carriers to sell fake comprehensive health plans. The defendants allegedly charged consumers without express informed consent, failed to disclose material terms including cancellation processes, and misled consumers into paying for inadequate coverage that left many with substantial medical debt. The FTC seeks refunds for affected consumers and alleges violations of the FTC Act, Telemarketing Sales Rule, Impersonation Rule, and Gramm-Leach-Bliley Act.
The U.S. District Court for the Southern District of Florida issued a temporary restraining order halting the defendants' deceptive operations. The FTC's complaint seeks refunds for consumers harmed by the scheme, and requests injunctive relief to permanently stop the unlawful practices.
In-house legal teams should review customer agreements, vendor contracts with telemarketing service providers, and insurance-related service agreements. Key clauses to audit include consent provisions to ensure express, informed consent for all charges (especially recurring payments), negative option and automatic renewal clauses requiring clear disclosure of cancellation steps, material terms disclosure sections, telemarketing compliance representations and warranties, and data protection clauses for health and financial consumer information. Agreements should also prohibit impersonation of government entities or third-party carriers, and include breach notification requirements for unauthorized use of consumer data.
Entity
Innovative Partners, LP; American Collective, LP; Papyrus Green Investments LLC; Health Plan Administrators, LLC; Amani Ibrahim Shokry; Ahmed Ibrihim Shokry
Industry
InsuranceOfficial Press Release
https://www.ftc.gov/news-events/news/press-releases/2026/04/ftc-sues-stop-deceptive-health-care-scheme
2423043innovativepartnerstro
https://www.ftc.gov/system/files/ftc_gov/pdf/2423043innovativepartnerstro.pdf
2423043innovativepartnerscomplaint
https://www.ftc.gov/system/files/ftc_gov/pdf/2423043innovativepartnerscomplaint.pdf
Federal Trade Commission Enforcement Page
https://www.ftc.gov/enforcement
"April 22, 2026"
"The defendants include Innovative Partners, LP, which does business as Innovative Health Plan or Healthcare Plan, and its Chief Technology Officer Amani Ibrahim Shokry; American Collective, LP, which does business as ACLP Health Plan; Papyrus Green Investments LLC; and their owner Ahmed Ibrihim Shokry, as well as Health Plan Administrators, LLC."
"the defendants violated the FTC Act, the Telemarketing Sales Rule, the Impersonation Rule, and the Gramm-Leach-Bliley Act"
"unfairly charge consumers without their express, informed consent"
"fail to disclose material terms and conditions of their negative option feature, specifically the steps consumers must take to cancel the monthly recurring payments"
"the court entered a temporary restraining order against the defendants"
$49.8M
The FTC and four states alleged that Progress Residential and Pretium Partners misled renters about rental prices and fees, improperly withheld security deposits, and engaged in other unlawful conduct. Under a proposed settlement, the companies will pay $49.75 million and must change their pricing, deposit, and customer-service practices.
The FTC and 22 state attorneys general filed an updated complaint alleging that Amazon secretly added surcharges to advertising auction prices and misled advertisers about the reasons for price increases. The release describes newly unredacted allegations; it does not report a judgment, settlement, or monetary penalty.
$600K
The FTC and Washington alleged that Riverside Payments and affiliates misrepresented savings and cancellation terms, concealed fees and auto-renewing contracts, and obtained consumers’ financial information using false or fraudulent statements. The proposed stipulated order requires a $600,000 payment, customer notice and a period to rescind agreements without penalty, and prohibits deceptive claims while requiring clear disclosures, informed consent for negative-option billing, and a simple cancellation method.
FTC staff announced warning letters to 25 healthcare plan marketers and lead generators about deceptive or unfair claims concerning plan benefits, coverage, costs, and enrollment incentives. The letters do not allege wrongdoing by their recipients or impose penalties; they encourage companies to review their advertisements for compliance.
The FTC summarized enforcement actions and other efforts targeting businesses and individuals allegedly impersonating government agencies or legitimate businesses. The release reports more than $80 million in consumer redress across prior actions and takedowns of 19 websites, but it does not announce a new settlement or impose a specific penalty.
The FTC and state and local co-plaintiffs filed a lawsuit alleging Toast imposed hidden and unauthorized fees, enrolled restaurants in add-ons without consent, obstructed subscription cancellations, and misrepresented customer support availability. The complaint is pending in federal court; the press release announces no monetary penalty or imposed remedy.