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HR 2079119th CongressIntroduced
Insurance Fraud Accountability Act
Introduced: Oct 28, 2025
Standard Summary
Comprehensive overview in 1-2 paragraphs
Amends ACA to strengthen penalties and consumer protections against insurance fraud in health plan enrollments.
Key Points
- 1Imposes civil penalties ($10,000-$50,000) for negligent agent/broker violations
- 2Imposes civil penalties (up to $200,000) and criminal penalties (up to 10 years imprisonment) for knowing fraud
- 3Requires verification process for agent-assisted enrollments in federal exchanges
- 4Mandates agent consent documentation and delayed commission payments
- 5Establishes oversight through audits and agent/broker suspension lists
- 6Strengthens regulation of field marketing and third-party marketing organizations
Impact Areas
Health insurance agents and brokersACA marketplace enrollmentsConsumer protection in health insuranceFederal and state insurance oversightHealth plan issuers and exchanges
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