Stop ACA Enrollment Fraud Act of 2026

This Act may be cited as the Stop ACA Enrollment Fraud Act of 2026.

Section 1411 of the Patient Protection and Affordable Care Act (42 U.S.C. 18081) is amended by adding at the end the following new subsection:

Not later than 60 days after the date of the enactment of this subsection, the Secretary shall—

(1) establish, as part of the program established under subsection (a), a process for identifying whether the social security number provided by an individual who is to be covered in the individual market by a qualified health plan offered through an Exchange is identical to the social security number of any enrollee in any Exchange under this title enrolled for the same period in which such coverage is to be effective; and

(2) in the case that identical social security numbers are so identified under paragraph (1), take such actions as are necessary to ensure that duplicative advance payments of premium tax credits under section 1412 are not made with respect to an individual.

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Section 1312(e) of the Patient Protection and Affordable Care Act (42 U.S.C. 18032(e)) is amended—

(1) by redesignating paragraphs (1) and (2) as subparagraphs (A) and (B), respectively, and adjusting the margins accordingly;

(2) in the matter preceding subparagraph (A), as so redesignated, by striking The Secretary shall establish and inserting the following:

The Secretary shall establish

(2) ; and

(3) by adding at the end the following new paragraph:

The procedures established under paragraph (1) shall provide that, with respect to the enrollment of individuals and employers in qualified health plans in the individual or small group market offered through an Exchange for plan years beginning on or after January 1, 2027, no such enrollment made through an agent or broker is effectuated prior to such individual or employer (as applicable) consenting to such enrollment through the mechanism established by the Secretary under subparagraph (B).

For purposes of subparagraph (A), the mechanism described in this subparagraph is a mechanism established and operated by the Secretary under which an individual or employer gives consent with respect to an enrollment of such individual or employer described in such subparagraph. Such mechanism may not accept an attestation of such individual’s consent provided by the agent or broker enrolling such individual or employer as evidence of such individual’s or employer’s consent.

(3) .