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Chapter 10 · October
A text arrives: “Marketplace: you are owed a $182 premium refund from your cancelled plan. Confirm your bank details here to receive it.” A short link follows.
She did cancel a plan this year. What should she do?
Correct!
Not quite.
True details do not make a message genuine. A refund of a premium would come from the insurance company, the same way she paid, and nobody needs her bank details by text to send it. Dana types the Marketplace address into her browser and logs in. There is no refund notice. She deletes the text and reports it. Replying would only have confirmed that her number is active.