Health-care fraud, especially insurance scams, costs Americans an estimated $80 billion each year, according to the FBI. And boomers in particular get hit hard: having to pay the price of scams targeted to them, to uninsured older workers and others aimed at the aging parents they are caring for. The loss of a job, and with it employer health benefits, can make people desperate and more susceptible to private health schemes that promises big coverage but often provides few benefits and many loopholes. “Crooks are peddling fake or stripped-down policies camouflaged as full-benefit coverage. Pushy salespeople are preying on people’s...