exchange sites. these are sites that might look like a typical exchange, but they're not real. you typically type in a web address but might misspell it by one letter, which does happen. you're redirected to a fake site that is simply looking to get your details. my advice is to really sort of watch out for sites that don't end in .gov. another thing i find scary is people impersonating navigators. navigators are people who are certified professionals who will help you walk you through shopping for insurance. an impersonator might say, pay us $300 and we'll help you sign up. bottom line is nobody should be asking you for money. also, one thing that sort of breaks my heart is that seniors often do become targets with these kinds of things. someone might tell a senior they could lose coverage if they don't get a new medicare card. they'll ask for your social security card. you don't need a new card.