A Texas-based health insurance agency has been permanently banned from operating in Massachusetts and ordered to pay $5 million after state prosecutors found it systematically sold products that looked like health insurance — and were not.
The consent judgment, entered April 29, 2026, in Suffolk Superior Court, concludes a multi-year investigation by the Massachusetts Attorney General’s Office into Adroit Health Group LLC and its related companies. Attorney General Andrea Joy Campbell said Adroit sold products to Massachusetts residents “as comprehensive health insurance plans that met federal and state requirements, when in fact the company did not sell qualifying insurance plans.”
The products Adroit sold included discount health plans that only reduced the cost of services, limited-benefit policies with significant coverage gaps, and health care sharing arrangements that did not guarantee payment of claims. Sales agents used insurance terminology — words like “PPO” and “coverage” — to describe these non-insurance products. Consumers were led to believe the plans satisfied the Affordable Care Act and Massachusetts’ Minimum Creditable Coverage standards. They did not…