Referred to the House Committee on Energy and Commerce.
The bill amends the Affordable Care Act to curb fraudulent enrollments in Exchange-qualified health plans by strengthening penalties for agents and brokers, creating verification requirements for agent-assisted enrollments, and regulating field marketing and third-party marketing organizations. It requires documentation of consumer consent, delays commission payments until enrollment inconsistencies are resolved, mandates reporting of terminations, sets periodic audits and lists of suspended agents, and authorizes large civil and criminal penalties for knowing violations.
Liberal emphasizes consumer protection and fraud deterrence benefits
Relative to its intended legislative type, this bill establishes substantive changes to the ACA to deter and penalize fraudulent enrollments and adds administrative controls over agents, brokers, and marketing organizations.
The bill amends the Affordable Care Act to curb fraudulent enrollments in Exchange-qualified health plans by strengthening penalties for agents and brokers, creating verification requirements for agent-assisted enrollments, and regulating field marketing and third-party marketing organizations.
It requires documentation of consumer consent, delays commission payments until enrollment inconsistencies are resolved, mandates reporting of terminations, sets periodic audits and lists of suspended agents, and authorizes large civil and criminal penalties for knowing violations.
The Secretary must issue regulations and implement processes by a specified date no later than January 1, 2029.
Substantive, targeted reforms favorability but regulatory complexity, industry pushback, and ACA politics lower enactment odds.
Relative to its intended legislative type, this bill establishes substantive changes to the ACA to deter and penalize fraudulent enrollments and adds administrative controls over agents, brokers, and marketing organizations. It provides concrete statutory penalties, definitions, and several procedural requirements while relying on the Secretary for significant regulatory detail.
Liberal emphasizes consumer protection and fraud deterrence benefits
These are examples from the analysis, not a ranked list of the most-affected groups.
Liberal emphasizes consumer protection and fraud deterrence benefits
Likely broadly supportive.
The bill strengthens consumer protections, accountability for brokers, and transparency around marketing chains, which aligns with protecting public subsidies and enrollment integrity.
Support would be contingent on ensuring verification processes do not disenroll people or limit access.
Cautious support with reservations.
The bill addresses a real problem—fraudulent enrollments—while increasing oversight.
Concern centers on administrative complexity, enforcement fairness, intergovernmental roles, and potential enrollment delays without adequate funding or phased rollout.
Likely opposed.
The bill expands federal oversight into agent and broker activity, imposes high civil and criminal penalties, and centralizes marketing-material review and registration—seen as federal overreach that burdens small businesses and intermediaries.
Reached or meaningfully advanced
Reached or meaningfully advanced
Still ahead
Still ahead
Still ahead
Substantive, targeted reforms favorability but regulatory complexity, industry pushback, and ACA politics lower enactment odds.
The bill has not accumulated any surfaced votes yet.
Liberal emphasizes consumer protection and fraud deterrence benefits
Substantive, targeted reforms favorability but regulatory complexity, industry pushback, and ACA politics lower enactment odds.
Relative to its intended legislative type, this bill establishes substantive changes to the ACA to deter and penalize fraudulent enrollments and adds administrative controls over agents, brokers, and marketing organizat…
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