# 119-hr-2079: Insurance Fraud Accountability Act

119-hr-2079, Insurance Fraud Accountability Act, is a 119th Congress bill sponsored by Rep. Ross, Deborah K. [D-NC-2] (D-NC); status introduced; PRIA reads it as touching household money (as of 2026-10-17).

- Canonical: https://policyrisk.com/legislation/119-hr-2079
- As of: 2026-10-17
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-2079
- Congress: 119
- Title: Insurance Fraud Accountability Act
- Status: introduced
- Introduced: 2025-03-11
- Sponsor: Rep. Ross, Deborah K. [D-NC-2] (D-NC)
- Cosponsors: 5
- Policy area: Health
- Touches household money: yes
- Last recorded action: 2026-10-17

## Summary

**Stronger rules and penalties for agents, brokers, and marketing groups to curb fraud and protect consumers in assisted health plan enrollments.** The bill creates a phased verification system, tougher fines, audits, and a public list to stop unauthorized or misleading enrollments. - Families and consumers: New verification steps for agent- or broker-assisted enrollments require clear, plain-language notices and give people access to their account information on a consumer-facing platform. Commissions tied to those enrollments are held until any inconsistencies are resolved. This regime phases in by a Secretary-set date but not later than January 1, 2029. - Agents, brokers, and marketing organizations: Civil penalties expand, with fines starting at $10,000 and going up to $200,000 per affected individual for serious violations. The bill also allows criminal penalties for knowing fraud and requires registration, licensing, submission of marketing materials, and limits on referral-based pay unless criteria are met. - Plans, Exchanges, and States: Issuers must be reported when terminated and the Secretary will run audits based on complaints and fraud indicators. The Secretary must share audit results with states and maintain a regular list of suspended and terminated agents and brokers.

## Cosponsors (5)

- Rep. Castor, Kathy [D-FL-14] (D-FL), 2025-03-11T00:00:00.000Z
- Rep. Foushee, Valerie P. [D-NC-4] (D-NC), 2025-03-24T00:00:00.000Z
- Rep. Dingell, Debbie [D-MI-6] (D-MI), 2025-03-24T00:00:00.000Z
- Del. Norton, Eleanor Holmes [D-DC-At Large] (D-DC), 2025-03-24T00:00:00.000Z
- Rep. Cohen, Steve [D-TN-9] (D-TN), 2026-01-14T00:00:00.000Z

## Provisions PRIA read

- Tough penalties for dishonest insurance agents: benefit, high. If enacted, agents and brokers who knowingly give false enrollment information could face up to $200,000 per affected person and up to 10 years in prison. Negligent or disregard violations would bring $10,000 to $50,000 per person. Civil fines would use existing Social Security Act penalty procedur…
- Stronger checks on agent enrollments: benefit, medium. The Secretary would require extra verification for enrollments or changes made by agents in federal-run marketplaces by a date no later than January 1, 2029. Agents would need to keep proof of your consent before enrolling or switching you. Commissions would be paid only after you fix any data issu…
- Insurers must report plan terminations: benefit, low. If enacted, health insurers would have to tell HHS when a contract ends and is not replaced by a similar agreement, as defined in law. This reporting could help the government watch for changes that affect plan options and coverage continuity.
- New rules for agents and marketers: benefit, low. If enacted, HHS would set rules with States on who can take part in the enrollment chain, by a date no later than January 1, 2029. Agents would have to act in your best interests. Marketing groups would need to report agent terminations, meet marketing and licensure rules, submit materials for revi…
- Regular audits of insurance agents: benefit, low. If enacted, HHS would run audits of agents and brokers for marketplace plans by a date no later than January 1, 2029. Audits could start after consumer complaints or suspicious enrollment patterns. HHS would share results, refer possible fraud to State insurance departments, and keep a list of susp…

## Related bills

- 119-hr-9877: Health Equity and Accountability Act of 2026
- 119-hr-7977: Energy Bills Relief Act
- 119-hr-7973: Momnibus Act
- 119-hr-5361: George Floyd Justice in Policing Act of 2025
- 119-hr-51: Washington, D.C. Admission Act
- 119-hr-20: Richard L. Trumka Protecting the Right to Organize Act of 2025

## Sources
- [119-hr-2079 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/2079)

## Related
- [119-hr-9877: Health Equity and Accountability Act of 2026](https://policyrisk.com/legislation/119-hr-9877)
- [119-hr-7977: Energy Bills Relief Act](https://policyrisk.com/legislation/119-hr-7977)
- [119-hr-7973: Momnibus Act](https://policyrisk.com/legislation/119-hr-7973)
- [119-hr-5361: George Floyd Justice in Policing Act of 2025](https://policyrisk.com/legislation/119-hr-5361)
- [119-hr-51: Washington, D.C. Admission Act](https://policyrisk.com/legislation/119-hr-51)
- [119-hr-20: Richard L. Trumka Protecting the Right to Organize Act of 2025](https://policyrisk.com/legislation/119-hr-20)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-2079 (as of 2026-10-17).