If you or I stole a lot of money, we'd go to jail.
But sell fake "insurance" and they get off just about scot-free:
FTC stops bogus health insurance plan.
The FTC has halted a telemarketing scam that allegedly tricked
consumers who were seeking affordable health insurance into buying
worthless medical discount plans. The FTC charged that the defendants
had falsely claimed that their program was widely accepted by
healthcare providers in consumers' local communities and had failed
to honor money-back guarantees. The defendants-Health Care One LLC,
three affiliated companies {Americans4Healthcare Inc., Elite Business
Solutions, Inc., and Mile High Enterprise Inc.), and their principals
(Michael Jay Ellman, Robert Daniel Freeman, and Bryan Matthew
Loving)-have agreed to settlements that require them to disgorge
certain assets and will bar them from future healthcare-related
enterprises or sales. [FTC suit halts bogus health insurance scam.
FTC News release, June 14, 2012]
http://www.ftc.gov/opa/2012/06/healthcareone.shtm