Health insurance is a prickly topic. Everyone needs health insurance, whether they’re the picture of health or chronically ill. And, like it or not, health insurance doesn’t come cheap in the US. Many people get insurance provided through their employer. However, some people who are retired or work as independent contractors are on the hook for their own medical insurance premiums. These people are at greater risk of encountering scams relating to health insurance. This is a complicated problem, as people online are able to lie and steal information by posing as legitimate insurance providers. Here are the ways you can tell these phonies apart and keep yourself safe online.