Are you one of the 42 million Americans without health insurance? Then hear this! According to CNN Money, one of the fasted growing scams is fake health care coverage. Jim Quiggle is a director with the Coalition Against Insurance Fraud, and he says scammers put ads on neighborhood telephone poles or flyers on your car. Or they'll even call to offer you health insurance. The premiums are extremely cheap, less than $30 a month in some cases, and they sound legitimate by pretending to be backed by union or trade association groups. The truth is: You end up with a bogus policy that pays little or nothing on your claims, and you're stuck with medical bills that aren't discounted because you're not actually insured. Even worse, you leave yourself open to identity theft if you give out sensitive information like your Social Security Number or credit card number. So who's at risk? Our scam expert says older people who're on Medicare are particularly vulnerable, because mobile medical clinics visit communities and offer services like tests or medical supplies, after you've provided your Medicare number. Then they take your number to make bogus Medicare claims against your policy. So how can you protect yourself from this scam? Be wary if they won't let you see the policy or insist you have to buy one on the spot. A legitimate company will give you time to consider your options and look over the policy. Also, be suspicious of any policy that claims you'll be accepted regardless of preexisting conditions. If you have to buy health insurance, get recommendations from your friends and family and call your state's insurance department and ask if the company is licensed to do business in your state. Or go to for a list of legitimate companies that offer health insurance.