The Indiana Department of Insurance warns Hoosiers not to fall prey to high-pressure telemarketers selling short-term health insurance products that are not compliant with the Affordable Care Act (ACA). Be aware that these telemarketers will make promises they cannot deliver and you, the consumer, will suffer the penalty. The Indiana Department of Insurance offers the following very important points to help keep you from becoming a victim of fraud from one of these telemarketing scammers. The open enrollment period for the 2016 health insurance marketplace under the Affordable Care Act was Jan. 31st. There is no special “state enrollment period” for individuals with health insurance. No one offering ACA-compliant health care coverage will ask you if you have a pre-existing health condition. Do not provide anyone with bank or health information. Only purchase insurance from a licensed agent or through a certified Navigator. If you receive a sales call from someone selling health insurance, ask the caller to email or send you info about the policy, if they refuse hang up. The penalty for not having an ACA compliant plan in 2016 is $695 per adult and $347.50 per child (up to $2,085 for a family), or 2.5% of your household income above the tax return filing threshold for your filing status – whichever is greater.