Innovative Partners, LP (dba Innovative Health Plan / Healthcare Plan); American Collective, LP (dba ACLP Health Plan)

A federal district court in Florida entered a temporary restraining order against the six defendants. The complaint seeks refunds for affected consumers. The case is pending litigation.

The FTC obtained a temporary restraining order against a nationwide operation that allegedly impersonates the government and large insurance carriers to deceive consumers into buying supposedly comprehensive PPO plans that do not provide the coverage promised. The scheme, operating under names including Innovative Partners and American Collective, has generated millions by targeting consumers seeking health insurance.

Since at least early 2023, the defendants operated a fraudulent telemarketing scheme. Telemarketers falsely told consumers they were buying "state issued" PPO insurance policies with no deductible and full coverage. For already-insured consumers, they impersonated real insurance carriers or the government, claiming policies would be canceled without immediate payment. The products sold were not comprehensive health insurance — they included medical discounts, ancillary products, and capped payouts, with some plans excluding hospital care entirely. The FTC alleges violations of the FTC Act, Telemarketing Sales Rule, Impersonation Rule, and Gramm-Leach-Bliley Act.