Health insurance fraud occurs when individuals or organizations intentionally deceive insurance companies to receive benefits or payments they are not entitled to. This can include actions like submitting false claims, billing for services not provided, or inflating the costs of legitimate services. Fraudulent activities can lead to higher premiums for everyone and strain the healthcare system. Insurance companies and law enforcement work together to detect and prevent health insurance fraud, ensuring that resources are used appropriately and that honest policyholders are protected from increased costs.