Stop spam > Stop spam calls > How to stop health insurance calls
How to stop health insurance calls
All unwanted calls—whether telemarketing calls, surveys, or scam calls—are annoying.
Health insurance calls can often be a very special kind of annoying, though. It seems like when it rains, it pours with these kinds of calls.
You may never be able to fully stem the flood of health insurance calls, but you can certainly bring it down to a trickle.
Read on to learn what you can do with the health insurance calls you’re getting now, and how to prevent more of them in the future.
Updated on: 30 September, 2026
How to stop health insurance calls, step by step:
Why you’re getting flooded with health insurance calls
Most health insurance call storms aren’t random—they’re the result of consent-based lead generation.
Insurance comparison sites, “get a free quote” landing pages, and lookalike Medicare-adjacent quiz sites often bury a broad consent checkbox in their fine print.
Submit your number on one of these forms, and it can legally be shared with dozens of insurance brokers under the Telephone Consumer Protection Act (TCPA), which allows companies to call you once you’ve given “prior express written consent”—even if you didn’t realize that’s what you were doing.
That’s why one quote request can trigger calls from brokers you’ve never heard of. Watch for pre-checked consent boxes and vague phrasing like “partners” or “affiliated companies” before you submit your number anywhere.
The FCC actually tried to close this exact loophole.
A proposed 2023 rule would have required separate consent for each individual seller instead of one blanket checkbox, but industry groups challenged it in court, and in early 2025 it was struck down and then formally abandoned by the FCC itself.
So, for now, the practice described above remains entirely legal, and the burden is on you to watch for it.
Don’t pick up
You might come across some health insurance companies and health insurance brokers online encouraging you to answer these spam calls and even “get a quote or two” while you’re at it.
Needless to say, these companies have a vested interest in boosting the effectiveness of spam health insurance calls.
Answering a spam call will almost certainly lead to more spam calls in the future.
Even if you pick up, don’t say anything, and hang up. The spammer knows that your number is active and in use. They also know you’re willing to answer unknown numbers, making you a more valuable target for future calls.
Another reason these companies might be encouraging you to ask for quotes is that this could be a way for them to bypass the Federal Trade Commission’s Do Not Call registry: if you’ve approached a business with an inquiry, they’re allowed to call you back even if your number is registered.
One more thing worth knowing: if a caller claims to be from “the Health Insurance Marketplace” or says your ACA coverage needs updating right now, be skeptical—the real Marketplace doesn’t cold-call people this way.
If you want to verify something a caller brought up, or sort out an actual plan question, contact the Marketplace Call Center directly at 1-800-318-2596 rather than trying to go through whoever called you.
Add your number to the National Do Not Call registry
The Federal Trade Commission (FTC) maintains the National Do Not Call registry, a database of phone numbers belonging to people who don’t want to The Federal Trade Commission (FTC) maintains the National Do Not Call registry, a database of phone numbers belonging to people who don’t want to receive telemarketing calls. Any business that fails to abide by this registry is liable to face fines.
Spammers already operating outside the law are unlikely to respect the Do Not Call registry, but given that most health insurance calls are legitimate, adding your number to the registry should drastically reduce the volume you receive.
To add your number to the National Do Not Call registry:
- Go to donotcall.gov.
- Click “register your phone.”
- Click “register here.”
- Enter up to three phone numbers and your email address. Click “submit.”
- Make sure you’ve entered everything correctly and click “register.”
- Check your inbox for a verification email and click the link within 72 hours to complete your registration.
Once registered, your telephone number or numbers will stay on the Do Not Call list indefinitely. It takes 30 days for registration to take effect, so any unwanted calls you receive after 31 days are likely in violation of the registry.
Lodge a complaint with the FTC
If a health insurance company or insurance broker continues to harass you with unwanted calls 31 or more days after registering your number with the FTC, you can file a complaint with the FTC. Here’s how:
- Go to ReportFraud.ftc.gov.
- Click on “report fraud.”
- Follow the on-screen instructions to complete and lodge your complaint.
Between adding your number to the Do Not Call registry and filing complaints against any insurance company that refuses to respect your decision, you should already find that you’re receiving only a small fraction of the health insurance calls you used to.
Revoke your consent directly
If you can tell which quote form or comparison site got your number shared around, you don’t have to wait out the Do Not Call registry’s 31-day window—you have a direct, legal right to make them stop right now.
Since April 2025, an FCC rule requires companies to honor consent revocations “by any reasonable means.”
There’s no special form to fill out. Reply to the text with “stop,” tell the live caller you’re revoking consent, or call the company back and say so directly.
Once they’ve received that request, they have 10 business days to stop contacting you.
This right specifically covers autodialed or prerecorded calls and texts you’d previously consented to—it doesn’t apply to calls from companies you never had any relationship with in the first place, since those were never legal to begin with.
Block the calls that keep slipping through
Any calls that keep coming 31 or more days after you sign up to the Do Not Call registry are overwhelmingly likely to be scam calls—legitimate businesses won’t risk the penalties and reputational damage that can result from breaking the law.
Rather than duplicate the full settings walkthrough here, follow our device-specific instructions in the universal call guide:
- Block an individual number on iPhone or Android
- Block spam calls on iPhone
- Block spam calls on Android.
Keep in mind that blocking all unknown callers is a blanket solution: it’ll also silence healthcare providers, schools, and anyone else with a legitimate reason to call from a number not already in your contacts.
If you use a landline, see our guide on how to block a number on a landline for the equivalent home-phone options.
Get your phone number off the internet and out of brokers’ hands
This is the solution that’ll both take the longest amount of time to take effect and have the greatest effect on the number of unsolicited health insurance calls you get.
These spammers and scammers are only able to reach you because your phone number is available somewhere online, whether through data brokers, old sign-up forms, or comparison sites that resold your information.
Incogni works through this problem systematically, sending removal requests to the data brokers most likely to be feeding your number into insurance lead-generation pipelines, so your number stops being valuable inventory for the next quote-comparison site.
To protect your phone number, consider using alternative or disposable numbers instead of your real one during online sign-ups.
Why you shouldn’t use third-party call-blocking apps
Third-party call-blocking apps like Hiya, Robokiller, and Truecaller do—for the most part—work.
Yet we don’t recommend you use them.
Why?
All of these call-blocking apps are closed-source, meaning that the source code from which they’re compiled is kept secret.
In short, we know they block spam calls, but we have no way to verify what else they’re doing with your data.
This is the classic closed-source software trap: a piece of software that fills a need for users which can then be used to push all kinds of malicious and dangerous code to their devices.
Think of pretty much any unpatched security hole ever exploited in the wild.
Ad-serving, as problematic as it is, is likely the least harmful thing an app can do on your phone.
Permissively licensed, open-source apps have their source code freely available for public audit, so the risks are generally lower.
More guides on how to stop spam calls:
- How to block a number on a landline
- How to stop robocalls
- Got a call from yourself? It’s a scam
- “No caller ID” vs “Unknown caller” and how to stop anonymous calls
- What are potential spam calls? How to block them?
- Why is Dynata calling? How to stop the calls?
- Why am I getting so many spam calls?
- How to stop Medicare calls?
FAQ
General questions about ignoring spam calls, blocking apps, and removing your number from spam lists are covered in full in our universal call-blocking guide’s FAQ. The questions below are specific to health insurance calls
How do I block insurance calls?
You can block insurance calls by adding your number to the FTC’s Do Not Call registry. As long as you haven’t previously reached out to any of the insurance companies calling you, they should comply. You can also block individual numbers directly on your phone.
Why am I getting spam insurance calls?
You’re getting spam insurance calls because some insurance companies (or the call centers they use) have managed to get ahold of your phone number. A major way in which they do this is by purchasing personal information from data brokers, or by acquiring your number through a comparison-quote form you filled out elsewhere.
How do I block insurance calls on my iPhone?
To block insurance calls on your iPhone, you can block individual callers’ numbers as they spam you or, in a more effective but risky move, block all calls from unknown numbers.
How do I stop spam calls permanently?
To stop spam calls permanently, you could block all calls from unknown callers, but you might miss legitimate calls this way. A more long-term approach would be to keep your phone number out of the data broker databases these callers rely on.
