As part of its review, GAO tested application and enrollment controls on the federal exchange and two state exchanges (California and Kentucky). Ten fictitious applicants were created to test whether verification steps including validating an applicant’s Social Security number, verifying citizenship, and verifying household income were completed properly.
In order to test these controls, GAO’s test applications provided fraudulent documentation:
“For each of the 10 undercover applications where we obtained qualified health-plan coverage, the respective marketplace directed that our applicants submit supplementary documentation… we provided counterfeit follow-up documentation, such as fictitious Social Security cards with impossible Social Security numbers, for all 10 undercover applications.”As the report notes, all ten applications remained enrolled on Obamacare even though fraudulent or insufficient documentation was provided:
“For all 10 of these undercover applications, we maintained subsidized coverage beyond the period during which applicants may file supporting documentation to resolve inconsistencies.”