Last year, as part of a “secret shopper” investigation, GAO created 12 fictitious identities to apply for premium subsidies through the federal exchange, also known as the Health Insurance Marketplace, by telephone or online. The GAO found that the federal exchange approved 11 out of 12 telephone and online applications for fictitious applicants. The government paid $2,500 per month or $30,000 per year in credits for insurance policies for these fictitious individuals.