Contact Congress about H.R. 2079: Insurance Fraud Accountability Act

Agents and brokers would face tougher punishment for fake or unauthorized ACA plan sign-ups. Consumers would get new consent checks and faster notices when someone changes their coverage.

Modern Action explains legislation in plain English, helps you choose whether to support, oppose, or ask for changes, and drafts a message tied to the bill, your stance, and the elected officials who can act on it.

Insurance Fraud Accountability Act is a House bill in committee. The latest recorded action: Referred to the House Committee on Energy and Commerce.

Latest action on H.R. 2079: Referred to the House Committee on Energy and Commerce.

Who this affects: This bill mainly affects people who buy health insurance through ACA marketplaces, and the agents and brokers who help them enroll. Consumers would get more notice and control when someone changes their plan. Agents, brokers, and marketing groups would face stricter rules, more paperwork, more audits, and higher penalties for breaking the rules. States, federal officials, and health plans would also have new duties to share information and track suspended or terminated agents and brokers.

Why this matters: Unauthorized ACA plan changes can leave people confused, uninsured, or stuck with surprise costs. This bill tries to stop that by making consent harder to fake and punishment more serious. It could also change how agents, brokers, and marketing groups do business. The final effect would depend on how federal and state officials enforce the rules.

Key provisions in H.R. 2079

• Agents and brokers could pay $10,000 to $50,000 for each person affected if they carelessly fail to give correct ACA enrollment information.
• Agents and brokers could pay up to $200,000 for each person affected if they knowingly give false or fraudulent enrollment information. The government would use the civil penalty process in federal health fraud law.
• Agents and brokers could face fines, up to 10 years in prison, or both if they knowingly and willfully give false or fraudulent ACA enrollment information.
• The Health and Human Services Secretary must create a consent-check process for federal ACA marketplaces. It must cover enrollments and coverage changes submitted by agents or brokers by plan years starting no later than January 1, 2029.
• Agents and brokers could not get commissions until ACA eligibility data problems are fixed. Health plans must get the data they need to know when commissions can be paid.

How Modern Action helps you take action on H.R. 2079

You do not have to start with a blank letter. Modern Action turns the bill, your position, and the relevant congressional context into a message you can edit and send. The goal is to make contacting Congress clear, specific, and useful without forcing you to parse bill text or figure out the right office on your own.

Questions people ask about H.R. 2079

What is H.R. 2079?

Agents and brokers would face tougher punishment for fake or unauthorized ACA plan sign-ups. Consumers would get new consent checks and faster notices when someone changes their coverage.

How do I support or oppose H.R. 2079?

Choose support, oppose, or ask for changes on Modern Action. The action flow drafts the message for you and keeps the wording tied to this bill.

Who should I contact about H.R. 2079?

Modern Action uses your location to route the action to the congressional offices relevant to the bill and your representation.

Can Modern Action explain H.R. 2079 before I act?

Yes. Modern Action gives you a plain-English summary, current status, and action context before you send anything.