Stronger Insurance Protections: Fighting Agent Fraud in ACA Health Plans.
This Act imposes severe civil and criminal penalties on insurance agents and brokers who intentionally or negligently provide false information when enrolling individuals in ACA health plans. For citizens, this means greater security through mandatory consent verification for enrollments and mechanisms to quickly cancel unauthorized changes. The changes aim to protect consumers from unwanted policies and subsidy loss.
Key points
Imposing high financial penalties (up to $200,000) and potential imprisonment for agents knowingly providing false information during ACA health plan enrollment.
Requiring agents or brokers to obtain documented consumer consent for any new enrollment or coverage change.
Mandating that agents and brokers act in the 'best interests' of the enrollee and prohibiting confusing or misleading marketing practices.
Establishing a system for periodic audits of agents based on consumer complaints and ensuring public access to a list of suspended or terminated agents.
Status:
Expired
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