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The Insurance Fraud Accountability Act amends the Affordable Care Act to reduce fraudulent enrollments in qualified health plans by establishing penalties for agents and brokers who provide false or incorrect information, creating an enrollment verification process for agent- or broker-assisted enrollments, and establishing regulatory criteria for agents, brokers, and marketing organizations. The bill imposes civil penalties of $10,000–$50,000 for negligent violations and up to $200,000 for knowing violations by agents or brokers, as well as criminal penalties of up to 10 years imprisonment for willful fraud. It also requires verification processes including consent documentation, delayed commission payments pending inconsistency resolution, consumer notifications, and reporting requirements for marketing organizations.
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