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119-hr-7860119th CongressWALLET

Stop ACA Enrollment Fraud Act of 2026

Sponsored By: Representative Barrett, Tom [R-MI-7]

Introduced

Summary

Enrollment integrity is the goal. This bill would add rules to the Affordable Care Act to stop duplicate premium tax credit payments and require explicit consumer consent for enrollments made by agents and brokers.

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  • Families and individuals would have to give consent through a federal mechanism before an agent or broker enrollment takes effect for plan years beginning January 1, 2027. This consent cannot be just an attestation from the agent or broker.
  • Agents and brokers would no longer be able to rely on their own attestation to enroll someone. They must use the Secretary's consent mechanism to complete enrollments.
  • The Secretary would have to set up an SSN matching process within 60 days to detect identical Social Security numbers across Exchanges and stop duplicative advance payments of premium tax credits.

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Bill Overview

Analyzed Economic Effects

2 provisions identified: 2 benefits, 0 costs, 0 mixed.

New consent for broker enrollments

If enacted, enrollments submitted by an agent or broker in Exchanges would not take effect for plan years starting on or after January 1, 2027 until the individual or employer gives consent through a system run by the Secretary. The Secretary would have to run the consent mechanism and could not accept the agent's or broker's attestation as proof of consent. This applies to individual and small group market enrollments offered through Exchanges.

Tighter checks on marketplace subsidies

If enacted, the Secretary would have 60 days to set up a system to find when an Exchange enrollee gives a Social Security number that matches another enrollee for the same coverage period. If the same SSN is found, the Secretary would stop duplicate advance premium tax credit payments for that person. This change would apply to enrollments and advance premium tax credits in Exchanges.

Sponsors & CoSponsors

Sponsor

Barrett, Tom [R-MI-7]

MI • R

Cosponsors

There are no cosponsors for this bill.

Roll Call Votes

No roll call votes available for this bill.

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