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The FBI is warning Americans about a growing scam involving discount medical insurance, which is leaving victims with significant financial losses.Scammers are contacting people through calls, texts, and emails, offering fake insurance plans at reduced rates if they act quickly. These fraudulent schemes have cost victims millions of dollars annually, according to the FBI.In one example, the FBI says a couple from Pennsylvania was pressured to sign up for a plan through what they believed was a national provider. The couple was told to act quickly, or they would lose the temporarily discounted price. Following an emergency room visit and an appointment with their primary care physician, the couple received an explanation of benefits stating they were responsible for all medical bills because the services were not covered by their policy.In Maryland, a man fell victim after buying a policy and paying for the entire year up front, which he was told would cover his current providers and save him thousands of dollars. After needing emergency surgery, he discovered his insurance wasn't accepted, and he was left with a $7,000 bill.To avoid falling for these scams, verify any insurance offer with your state’s insurance commissioner and the Better Business Bureau. Additionally, confirm with your current medical providers that they accept the insurance plan being offered. Be wary of high-pressure sales tactics and requests for upfront payments, as these are key warning signs of a scam.If you suspect you’ve been targeted, report the incident to the FBI’s Internet Crime Complaint Center at IC3.gov.