The Enhance Health LLC lawsuit, formally titled Turner et al. v. Enhance Health, LLC et al., was a federal class action filed in April 2024 accusing the Florida-based insurance brokerage, its investor Bain Capital, and a network of affiliated companies of running a racketeering scheme to enroll or switch consumers into Affordable Care Act marketplace plans without their consent. Twelve defendants were named. By the end of May 2025, all of them had either settled or been dismissed, and every defendant denied wrongdoing.1Georgetown Law Litigation Tracker. Turner et al. v. Enhance Health, LLC et al.
Who Sued and Who Was Named
The case was filed on April 12, 2024, in the U.S. District Court for the Southern District of Florida before Judge Melissa Damian, docketed as 0:24-cv-60591. Five individual consumers — Conswallo Turner, Tiesha Foreman, Angelina Wells, Paula Langley, and Veronica King — brought the suit alongside two insurance agencies, NavaQuote, LLC and WINN Insurance Agency, LLC, which said they had lost clients and commissions to the alleged scheme.1Georgetown Law Litigation Tracker. Turner et al. v. Enhance Health, LLC et al.
The amended complaint filed in August 2024 named twelve defendants. On the corporate side: Enhance Health LLC; TrueCoverage LLC, an Albuquerque-based agency; Speridian Technologies LLC and its subsidiary Benefitalign LLC, which ran an enhanced direct enrollment platform; Number One Prospecting LLC (doing business as Minerva Marketing); Digital Media Solutions LLC (doing business as Protect Health); Net Health Affiliates Inc.; and Bain Capital Insurance Fund LP. The individual defendants were Enhance Health founder Matthew Herman, Minerva Marketing founder Brandon Bowsky, Girish Panicker (who controlled Speridian, TrueCoverage, and Benefitalign), and TrueCoverage supervisor Matthew Goldfuss.2InsuranceNewsNet. Feds Suspend ACA Marketplace Access to Companies Accused of Falsely Promising Cash Cards
Enhance Health had grown quickly. Bain Capital’s insurance division invested $75 million to build the brokerage, buying Herman’s original company for $9 million, and the total investment eventually reached at least $150 million. During the 2023 enrollment season, Enhance Health became one of the largest ACA plan brokers in the country, enrolling more than one million people.3Bloomberg. Deepfake Ads Fueled a Florida Health Insurance Scheme
What the Lawsuit Alleged
The complaint ran 55 counts and centered on a claimed “RICO enterprise” under the federal Racketeer Influenced and Corrupt Organizations Act, along with counts for negligence per se, aiding and abetting fraud, and aiding and abetting breach of fiduciary duty.1Georgetown Law Litigation Tracker. Turner et al. v. Enhance Health, LLC et al.
The “Cash Card” Ads
At the front end of the alleged scheme were social media ads that promised consumers “cash cards” worth hundreds or thousands of dollars for groceries, rent, and other expenses. According to the complaint, the ads mischaracterized federal advance premium tax credits — paid directly to insurance carriers to reduce premiums — as cash the consumer would receive. The ads targeted low-income individuals whose subsidies were large enough to reduce premiums to zero, allowing the defendants to capture commissions on plans that consumers never knowingly signed up for.4KFF Health News. Federal Lawsuit Alleges Unauthorized ACA Plan Enrollment Switching
A Bloomberg investigation later reported that the advertising ran further than the complaint originally described. Third-party advertisers used AI-generated deepfake versions of celebrities including Taylor Swift, Joe Rogan, Steve Harvey, Dr. Phil, and Andrew Tate, who appeared to endorse a fictitious “$6,400 government stimulus.” The ads drew more than 195 million views on YouTube alone before being removed, and consumer contact information moved through middleman marketing firms to the call centers.3Bloomberg. Deepfake Ads Fueled a Florida Health Insurance Scheme
Unauthorized Enrollments and Commission Grabs
Once a consumer called in, agents allegedly used scripts designed to stay vague about the promised “cash.” Instead of money, callers got a new ACA plan or a switch of their existing coverage. The complaint described several specific practices:
- Agent-of-record swaps, in which defendants used consumer information to remove the original insurance agent from an account and install an in-house agent, redirecting monthly commissions.
- “Twisting,” meaning replacing a consumer’s existing policy with a new plan of equal or worse benefits solely to generate a fresh commission.
- A “dual-app” scheme that created unauthorized additional applications, sometimes splitting a family across separate plans, to collect extra commissions.
- Income manipulation on applications so that consumers qualified for zero-premium plans.
The complaint alleged these actions were made possible by proprietary enhanced direct enrollment platforms — Benefitalign, built by Speridian Technologies, and JET Health Solutions, which Enhance Health purchased in July 2023. Both platforms allowed changes to consumer records in the ACA marketplace database without going through Healthcare.gov.5KFF Health News. Turner v. Enhance Health LLC Complaint
How Consumers Were Harmed
The lawsuit described concrete consequences for consumers. Some lost access to their doctors and prescriptions when their plans were switched. Others received unexpected medical bills after being moved into plans that did not cover their providers. Some were later billed by the IRS for tax credits issued to pay for plans they had never authorized.2InsuranceNewsNet. Feds Suspend ACA Marketplace Access to Companies Accused of Falsely Promising Cash Cards
Bain Capital’s Alleged Involvement
Bain Capital Insurance Fund LP was added as a defendant in the August 2024 amended complaint. The plaintiffs alleged Bain did more than invest: they claimed Bain placed its own employees at Enhance Health’s Florida offices, oversaw leadership and operations, and controlled hiring and firing of top executives. According to the complaint, Bain knew Enhance Health’s business relied on leads from fraudulent ads and on agent-of-record swapping, and Bain aided and abetted the fraud as part of building a billion-dollar insurance investment fund. Bain denied the allegations.6Georgetown Law Litigation Tracker. Turner et al. v. Enhance Health – Plaintiffs’ Response to Motion to Dismiss
How the Case Ended
Defendants filed motions to dismiss, arguing that the plaintiffs lacked standing and had not stated valid claims. In September 2024, Digital Media Solutions LLC filed for Chapter 11 bankruptcy in the Southern District of Texas, which automatically stayed the claims against it.7Omni Agent Solutions. Digital Media Solutions Inc. Restructuring Information
On April 11, 2025, the parties filed a joint notice of settlement covering a set of defendants. According to Bloomberg, Enhance Health, Matthew Herman, Bain Capital, and Brandon Bowsky all settled at that point. An Enhance Health spokesperson called the case “meritless,” described the settlement amount as “de minimis,” and said it was paid by corporate insurance. All settling defendants denied wrongdoing.3Bloomberg. Deepfake Ads Fueled a Florida Health Insurance Scheme TrueCoverage reached a separate settlement in late May 2025 with terms that were not disclosed.
A second amended complaint was filed on May 21, 2025. Nine days later, on May 30, 2025, the remaining defendants — TrueCoverage, Speridian Technologies, Benefitalign, Girish Panicker, and Matthew Goldfuss — were dismissed by court order. The case is fully closed. The dollar amounts of the settlements were not publicly disclosed.1Georgetown Law Litigation Tracker. Turner et al. v. Enhance Health, LLC et al.
Regulatory Actions Against the Companies
Alongside the lawsuit, federal regulators moved against two of the corporate defendants. On August 8, 2024, the Centers for Medicare and Medicaid Services suspended marketplace access for TrueCoverage and Benefitalign, both owned by Speridian Global Holdings. A CMS suspension letter dated September 2, 2024, cited two grounds: a “serious lapse in the security posture” of the companies’ platforms, with consumer data being stored or processed outside the United States (IP addresses were identified in India and Pakistan, with additional traffic in Hong Kong, Ireland, Japan, and Sweden), and “reasonable suspicion, based on credible evidence” that the companies had directed employees to change consumer coverage and enroll people without consent, publish misleading ads, and use agents’ National Producer Numbers without authorization.8KFF Health News. CMS Suspension Letter
In December 2025, CMS issued a formal determination of noncompliance and denied the Speridian companies the right to enter into future exchange agreements, ending their ability to sell insurance on the federal marketplace.9CMS. CMS Actions to Protect Consumers and Strengthen Exchange Program Integrity
Where Enhance Health Stands Now
Matthew Herman stepped down as CEO of Enhance Health shortly after the Turner lawsuit was filed in 2024. The company closed its Fort Lauderdale headquarters and moved to a smaller office in Clearwater, Florida. As of mid-2025 it was still operating and said it was planning a significant expansion. Federal regulators have not issued direct sanctions against Enhance Health itself, even though the company sat at the center of the allegations.3Bloomberg. Deepfake Ads Fueled a Florida Health Insurance Scheme