Bills · HR 2079
IN COMMITTEE· 119TH CONGRESS
House BillHR 2079Civil actions and liabilityFraud offenses and financial crimes
Insurance Fraud Accountability Act
INTRO MAR 11· LAST ACTION MAR 11
READING
11MIN
COSPONSORS
5
READER REACTIONS0 TOTAL
NO VOTES YET · BE THE FIRST
- Introduced only
LEGISLATIVE PROGRESS
STEP 2 / 8Introduced
In Committee
Reported
Passed House
Passed Senate
Conference
To President
Became Law
WHAT THE BILL DOES
AI-writtenThis bill is important because it aims to reduce fraud and abuse in the Affordable Care Act's health insurance marketplaces, which has been a recurring issue. By imposing stricter penalties on agents and brokers who mislead consumers or provide false information, it seeks to protect individuals from unknowingly enrolling in plans, having their coverage changed without consent, or facing other issues due to fraudulent activity.
If this bill becomes law, consumers should have more confidence that their enrollments are legitimate and their coverage is secure, and they would have clearer avenues to address unauthorized changes. It addresses concerns about unexpected charges, loss of subsidies, and loss of coverage resulting from deceptive enrollment tactics. If it doesn't pass, the current system for addressing agent and broker misconduct would remain, potentially leaving consumers more vulnerable to fraudulent practices.
KEY PROVISIONS
5AI-extractedPROVISION 01
Establishes civil penalties ranging from $10,000 to $50,000 per individual for insurance agents or brokers who negligently or with disregard provide incorrect information during health plan enrollments.
This increases accountability for careless errors that can disrupt individuals' health coverage and financial stability.
PROVISION 02
Imposes increased civil penalties of up to $200,000 per individual and up to 10 years in prison for agents or brokers who knowingly provide false or fraudulent enrollment information.
These severe penalties aim to deter intentional fraud that harms consumers and the integrity of the health insurance marketplace.
PROVISION 03
Requires the government to establish a verification process for new enrollments and coverage changes made by agents or brokers in federal health insurance marketplaces.
This creates a systemic check to ensure that individuals have consented to their enrollments and that commissions are paid only after application issues are resolved.
PROVISION 04
Mandates timely notification to individuals about enrollment or coverage changes, with clear instructions to cancel unauthorized activity, and ensures individuals can easily access their account information.
These measures empower consumers to detect and rectify fraudulent or unauthorized changes to their health plans quickly.
PROVISION 05
Prohibits the disenrollment of individuals from a qualified health plan without their consent, even if a broker, agent, or health plan violates a requirement.
This provides a crucial safeguard, ensuring individuals do not lose necessary health coverage due to agent or plan misconduct.
SPONSORSHIP
1 + 5
D· North Carolina
YRS IN OFFICE
5
BILLS LED
35
COSPONSOR BREAKDOWNBIPARTISAN · 0%
DEM 5 REP 0 IND 0
ACTION TIMELINE
2 EVENTSMAR 11
Introduced in House
MAR 11
Referred to the House Committee on Energy and Commerce.
BILL INFO
TypeHouse Bill
NumberHR 2079
Congress119th
StatusIn Committee
IntroducedMar 11, 2025
Last actionMar 11, 2025
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IN COMMITTEE· 119TH CONGRESS · ENERGY AND COMMERCE COMMITTEE · INTRODUCED MAR 11, 2025
House BillHR 2079Civil actions and liabilityFraud offenses and financial crimes
Insurance Fraud Accountability Act
INTRODUCED MAR 11, 2025· LAST ACTION MAR 11, 2025
PASSAGE CHANCES
—%
READING
11 min
COSPONSORS
5
COMPLEXITY
Moderate
